Job Description
Job Title:
Credit Risk Strategy - Small Business Loans Location:
New York (NY) / Delaware (DE) Work Mode:
Hybrid- 3 Days Onsite in a week Employment Type:
Full-Time Permanent Key Responsibilities Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections). Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization. Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques. Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions. Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives. Monitor regulatory and governance requirements, ensuring all strategies adhere to compliance and audit standards. Drive innovation by leveraging new data sources, advanced analytics, and automation to strengthen credit risk capabilities. Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies. Build and nurture long-term client relationships by understanding business needs and positioning clients credit risk solutions effectively. Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services. Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes. Qualifications Bachelor s degree in Business, Finance, Statistics, Mathematics, Engineering, or a related field; Master s degree preferred. 7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services. Strong expertise in Small and Medium Business (SMB) lending products, including credit cards, business loans, working capital loans, and merchant cash advance. Strong experience working with bureau data such as D&B (Dun & Bradstreet) and SBFE (Small Business Financial Exchange). Proficiency in SAS, SQL, and Python. Tableau experience is a plus. Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning. Ability to synthesize complex analyses into clear recommendations for senior management. Strong communication, presentation, and stakeholder collaboration skills. Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.
