Use data and analytics to develop analytical frameworks and strategies for loan origination strategies, loss forecasting, capital planning and CECL. Analyze origination risk factors and recommend improvements in underwriting criteria and loan product pricing to increase loan volumes within the risk appetite. Review and monitor credit risk for existing accounts in open-ended lending products such as credit card, HELO - Cs, etc., and recommend line management strategies. Support new data acquisition and guide less experienced analysts and other functional areas on current data intricacies. Conduct third-party quarterly mortgage & consumer loan portfolio performance analysis. Provide thought leadership and rule recommendations for loan origination system implementation and maintenance. Assess the risk-adjusted profitability (NPV) of new originations across the portfolios managed. Drive analytical projects of high complexity from inception to completion and provide guidance to less experienced analysts on specific projects. Ensure effective communication with management and key stakeholders from other functional areas. Complete credit risk analytics, which includes but is not limited to loan origination strategy, economic capital setting, credit loss modeling and mitigation, CECL implementation Partner with other areas such as Loss Prevention & Recovery to enable sound collection strategies. Collaborate with database administration to streamline two-way communication to ensure data quality. Query the data warehouse and other databases to extract, summarize, and save relevant data. Drive improvements in test set-up to more accurately assess effectiveness of proposed risk strategies and team up with other departments for project implementation. Evaluate, implement, and monitor internally developed or third-party scoring solutions. Present recommendations and findings to management Develop periodic reports for audit and regulatory compliance and assist with ad hoc requests. Help formulate and revise credit policies and procedures to address new regulations. . Education & Years of Experience Minimum - Graduate Degree in Mathematics, Statistics, Quantitative Finance, Financial Engineering, Computer Science or related Minimum - 6 Years of Analytics, Credit Risk or related In Lieu of Education 10 years of Analytics, Credit Risk or related Compensation &