Credit Risk Analytics - Data Analyst

Please read the role description carefully before applying.

About PaymentGenes:

PaymentGenes, founded in 2014, is a global recruitment and consultancy agency in the payments industry. Our mission is to change the perception of recruitment and how it is fundamentally done through our consultative approach.

Our personal and collaborative approach has helped us build sustainable relationships throughout the payments value chain and expand our services globally. Having worked with and for FinTech/Payments companies ourselves for many years, we have established a vast personal network of payment professionals.

About our client:

A global leader in financial technology solutions simplifying the complexities of the payment systems across continents and industries. With specialized solutions in Fleet, Corporate Payments, and Benefits.

Credit Risk Analytics

Credit Analyst, Credit Risk Strategy & Analytics is a key team in our Risk & Compliance organization that ensures our products and processes deliver robust fraud and credit decisions while providing a great customer experience and supporting company growth.

We are a team of data and analytics-driven experts with an outstanding ability and sense of mission to find solutions through innovation and collaboration. We are looking for a Credit analyst(s), Credit Risk Strategy & Analytics, who will be responsible for developing innovative credit risk strategies and solutions across the customer lifecycle – leading to best-in-class credit results while enabling profitable growth and customer experience.

The successful candidate will preferably have some knowledge and experience in Credit & Collections Risk analytics and processes. The successful candidate will be collaborative and a strong communicator with high EQ to work in a matrixed organization. This position will report directly to the Director, Credit Risk Strategy.

What you’ll do:

• Track developments in the marketplace to understand industry best practices.
• Performing qualitative and quantitative analysis on credit risk trends, and working together with Operations, second line and our bank teams to define, evaluate, and implement potential solutions with tech.
• Continuously monitor credit and collections performance, conduct deep-dive analyses to explore areas of opportunity, and implement credit controls to address potential/emerging risks.
• Review and strengthen both systematic and manual credit processes.
• Partner with the Product, Marketing Risk capabilities, and Technology teams to develop streamlined customer experience journeys.
• Partner closely with Decision Science, Fraud, Operations, and second-line teams to evaluate new data sources, track performance and ensure profitability.
• Developing and managing credit risk decision strategies by creating data-driven insights and analytics across customer lifecycle i.e. New Accounts, Portfolio, Line Management and Collections, and across our products and lines of business.
• Optimize the risk-return tradeoff and establish profitability-based credit decisions at every touchpoint, through economic cycles.
• Collaborate with key stakeholders and cross-functional partners across the company, including Risk Operations, Technology, Bank, Marketing, Finance, Legal, Risk, and Compliance/BSA/AML.
• Work with internal governance teams and external regulators to ensure control and compliance.

Minimum Knowledge, Skills, and Abilities required:

• Understanding of and experience with risk decision engines and/or payment technology.
• Strong communications skills that distill complex data and systems issues to both technical and non-technical audiences.
• 4+ years of experience in Data and Analytics
• Ability to think critically in order to analyze problems and develop creative, practical, and efficient solutions for a multinational company.
• Experience using analytics/statistics to solve complex business problems- Big Data, Python / SQL, and Data visualization tools (Tableau preference) are a MUST. Knowledge of other technologies like ML Studio will be a huge PLUS.
• Innovative thinker and problem solver with excellent communication skills, the ability to distill key takeaways quickly, and presentation skills that allow effective interactions with business partners.
• 3+ years in the Credit or Fraud risk analytics and Commercial Risk space, B2B credit analysis (Payments industry experience a plus). Consumer credit/mortgage credit experience will NOT suffice for this opportunity.
• Able to collaborate, negotiate, and persuade while maintaining positive relationships with employees, peers, internal partners, clients, and third-party partners.

Other Job Details:

• Full-time position with a minimum of 40 hours/week.
• You have full professional proficiency (written and verbal) in English.
• NO visa OR visa sponsorship is possible for this role at the moment.
• Some domestic travel may be required.