Senior Analyst, Credit Policy

Axcess Financial

(Cincinnati, Ohio)
Full Time
Job Posting Details
About Axcess Financial
A revolution in banking services has begun and Axcess Financial is leading the change. Around the world, in developed and emerging economies alike, we’re helping to make available a wider range of vital financial services to a greater selection of people than ever before.
Summary
The Senior Analyst of Credit Policy will support Axcess Financial’s global, retail, credit businesses. The Senior Analyst will maintain and enhance credit policies for underwriting of cash advance, installment, title, and line of credit lending products. The Senior Analyst will develop and test credit strategies and initiatives to achieve portfolio growth and profitability targets. The Senior Analyst will apply data-driven methodologies to achieve strategic goals. The Senior Analyst will collaborate with internal partners in risk, finance, operations, and IT to innovate, develop, implement, and improve risk based pricing solution that increase the value of underwriting for lending operations. The Senior Analyst will lead analytical projects to continuously improve the underwriting practice. The Senior Analyst will provide innovative thinking to contribute to the development of underwriting strategy for new products.
Responsibilities
* Lead predictive modeling and analytics projects from inception through post-implementation monitoring. * Generate and test ideas to use new modeling and analytical methodologies to improve accuracy and cost to implement * Evaluate and help implement third party modeling/analytics solutions * Research and evaluate internal/external data sources to increase value of credit risk related predictive modeling and analytics * Establish and continually improve relationships with internal customers * Convincingly communicate with internal customers and senior management to explain the benefits, limits, and requirements for proposed solutions * Proactively identify and propose ways to use decision sciences to drive value for internal customers * Collaborate with other business functions to develop and implement analytical and modeling solutions * Contribute to decisions regarding development/revision of data and decisioning architecture * Collaborate with other internal organizations in developing and enhancing the framework for risk-based pricing of lending products * Contribute to senior-level management discussions and decision making sessions when necessary * Provide intellectual leadership and analytical support to Sr. Management in efforts to develop new products
Ideal Candidate
* 2+ years experience using analytics to drive improvement of underwriting activities or business decisions * Master’s degree in a quantitative discipline (e.g., Statistics, Applied Math, Engineering, etc.) with 2+ years experience in an analytical/quantitatively oriented position OR Bachelor’s degree in a quantitative discipline (e.g., Statistics, Applied Math, Engineering, etc.) and 5+ years experience in an analytical/quantitatively oriented position. * 2+ years experience with a statistical software package (e.g., SAS, SQL, R, Stata, SPSS, Matlab, etc.) * Strong communication skills to present project plans and results to senior management * Strong business intuition to identify opportunities to apply modeling/analytics to drive value for internal customers

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