Credit Risk Analytics

Credit Risk Analytics

• Roles and Responsibilities:
• Perform diagnostic and predictive analytics to help create a portfolio segmentation strategy
• considering, among others, macroeconomic environment, industry and micro-industry
• concentrations, product, lifetime value, usage, risk appetite, geography, seasoning, term, credit
• performance, etc.
• Influence, monitor, and assess impacts to Family Capital Funding’s portfolio as a result of pricing,
• product, acquisition strategy, underwriting policy, fraud detection, and portfolio monitoring and
• collections.
• Create predictive early detection credit deterioration capabilities using internal and external
• performance data.
• Investigate, create, implement and validate various risk and financial forecasts using complex data
• including cohort and time series analysis of loan balances, revenue performance, net income
• performance, portfolio dynamics, etc. and ensure an enterprise wide consistency in estimations.
• Interface with Acquisition, Pricing, Product, Marketing, Finance, and Operations teams to help build
• relationships, set goals and track operations performance, providing an actionable feedback loop as
• it relates to portfolio performance across key Family Capital Funding metrics.
• Ensure sound credit control by taking a pro-active approach to risk management within the risk
• guidelines of Family Capital Funding.
• Demonstrate governance, control and risk management behaviours in alignment with Family Capital
• Funding policies and practices. Document all new processes per Enterprise policy
• Assist with developing and enhancing credit structuring/packaging and risk assessment capabilities
• to identify and maintain good business opportunities with new and existing clients.
• Perform detailed analysis and interpret information to make recommendations to Senior
• Management on critical strategies including non-standard and ad-hoc requests as determined bymanagement.
• Ensure the timely and effective communication of forecasting results & variance drivers; anticipating
• potential needs in an effort to establish and maintain good working relationships with key business
• stakeholders.

Qualifications and Experience:

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Qualifications and Experience:
• Required:
• Undergraduate degree in Economics, Engineering, or Mathematics
• 2 + years of relevant experience in a Business Analytics, Finance, Strategy, or Product functional area
• Excellent business judgment and risk assessment as demonstrated by previous work or academic
• experience in an analytic role related to economic or business analysis
• Ability to structure and breakdown open ended business problems and challenges into detailed
• executable analytical frameworks
• Strong Analytical and Problem-Solving Skills as demonstrated by previous experience in developing
• creative solutions to business strategy, technological, and operational problems
• Strong data understanding & data manipulation skills to help identify, track and solve for business
• outcomes
• Excellent SQL and analytic programming skills (R, Python, SAS, Excel), willingness to work closely with
• large data sets and get into the details with business processes
• Preferred:
• • Master’s degree in Economics, Engineering, Mathematics or business administration
• • 3+ years of relevant experience in a banking, financial services or any other credit / lending domain