Fifth Third Bank
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General Function
The primary purpose of the Director Consumer Credit Risk is to provide leadership and strategic vision in managing the second line of defense credit risk within Fifth Third's Consumer Bank.
Responsibilities
Analyze concentrations, product mix, delinquency and loss trending, product optimization, line utilization, originations, whole loan sale performance, etc. Conduct root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance across consumer lines of business. Consult and challenge strategies for return on risk and improved predictability. Prepare and deliver presentations related to recommendations and strategy results to business partners and management. Assist in the development of risk-based pricing models and loan loss models statistical techniques utilizing SAS, Python, R. Demonstrate expertise in consumer credit risk and play a crucial role in review and assessment of first line strategies as the second line of defense. Identify and implement opportunities for greater efficiencies, risk controls, and profitability for the respective portfolios. Provide Risk guidance & support for Credit Policy. Support credit risk assessment related to any future mergers and acquisitions. Build strong relationships with Sales Management, Product Development, and Investor Relations with the support of quantitative facts. Collaborate with business line leaders to plan and develop credit initiatives. Develop, validate, and implement various models used for loss forecasting, portfolio stress testing, account management analysis and other targeted analysis. Establish close working relationships with the Credit functions of the various Consumer Lending groups, while maintaining independence/objectivity. Support automation of business processes and identification of second order and layered risk within the business. Identify and communicate potential policy and or operational improvements that will enhance credit quality. Evaluate new consumer risk related data sources and risk analytical tools and develops innovative risk management capabilities and processes. Support the overall Bancorp risk management goals within the Consumer Lending Line of Business. Support ad-hoc Line of Business requests for quantitative modeling of potential new business. Requirements
Master’s degree in relevant field (Business, Finance, Statistics, Economics, etc.). Minimum 8 years of Consumer Lending experience Minimum 2 years supervisory/management experience. Excellent analytical, verbal, and written communication skills. Detail oriented with strong oral and written communication skills. Strong interpersonal skills. Ability to build business cases that influence stakeholders to change outcomes. Ability to manage backlog and prioritize backlog of tasks, delegating but driving toward successful completion. Ability to recruit, hire, train, and retain talent. Strong leadership presence. Ability to manage strategic relationships and provide sound risk management guidance to internal and external business partners. Demonstrated ability to lead analytic projects and drive to completion, including gathering requirements and presenting findings to senior leadership. Minimum 8 years’ experience in reporting systems, database management and analytics. Expert knowledge of rules and regulations Expert level knowledge of credit risk. Experience building, implementing, or leveraging models for credit decisions. MS Office proficiency Expertise in one or more statistical software such as SAS, R, Python Working Conditions
Normal office environment with little exposure to dust, noise, temperature, and the like. Extended time at desk and/or viewing computer screen. Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
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Analyze concentrations, product mix, delinquency and loss trending, product optimization, line utilization, originations, whole loan sale performance, etc. Conduct root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance across consumer lines of business. Consult and challenge strategies for return on risk and improved predictability. Prepare and deliver presentations related to recommendations and strategy results to business partners and management. Assist in the development of risk-based pricing models and loan loss models statistical techniques utilizing SAS, Python, R. Demonstrate expertise in consumer credit risk and play a crucial role in review and assessment of first line strategies as the second line of defense. Identify and implement opportunities for greater efficiencies, risk controls, and profitability for the respective portfolios. Provide Risk guidance & support for Credit Policy. Support credit risk assessment related to any future mergers and acquisitions. Build strong relationships with Sales Management, Product Development, and Investor Relations with the support of quantitative facts. Collaborate with business line leaders to plan and develop credit initiatives. Develop, validate, and implement various models used for loss forecasting, portfolio stress testing, account management analysis and other targeted analysis. Establish close working relationships with the Credit functions of the various Consumer Lending groups, while maintaining independence/objectivity. Support automation of business processes and identification of second order and layered risk within the business. Identify and communicate potential policy and or operational improvements that will enhance credit quality. Evaluate new consumer risk related data sources and risk analytical tools and develops innovative risk management capabilities and processes. Support the overall Bancorp risk management goals within the Consumer Lending Line of Business. Support ad-hoc Line of Business requests for quantitative modeling of potential new business. Requirements
Master’s degree in relevant field (Business, Finance, Statistics, Economics, etc.). Minimum 8 years of Consumer Lending experience Minimum 2 years supervisory/management experience. Excellent analytical, verbal, and written communication skills. Detail oriented with strong oral and written communication skills. Strong interpersonal skills. Ability to build business cases that influence stakeholders to change outcomes. Ability to manage backlog and prioritize backlog of tasks, delegating but driving toward successful completion. Ability to recruit, hire, train, and retain talent. Strong leadership presence. Ability to manage strategic relationships and provide sound risk management guidance to internal and external business partners. Demonstrated ability to lead analytic projects and drive to completion, including gathering requirements and presenting findings to senior leadership. Minimum 8 years’ experience in reporting systems, database management and analytics. Expert knowledge of rules and regulations Expert level knowledge of credit risk. Experience building, implementing, or leveraging models for credit decisions. MS Office proficiency Expertise in one or more statistical software such as SAS, R, Python Working Conditions
Normal office environment with little exposure to dust, noise, temperature, and the like. Extended time at desk and/or viewing computer screen. Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
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