Intuit
Join to apply for the Manager 1, Credit Risk Analytics role at Intuit.
One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. That’s how we power prosperity. QuickBooks Capital is a nimble and high‑priority business unit within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talents and team members that love new challenges, cracking tough problems and working cross‑functionally. If you are looking to join a fast‑paced, innovative and incredibly fun team, then we encourage you to apply.
As a key leader of the Credit Risk Management team, this individual will be responsible for developing, optimizing and managing strategies for credit card risk underwriting, risk‑based pricing, portfolio management, debt collections, fraud analytics and loss forecasting. This individual will effectively partner with multiple cross‑functional teams to implement and monitor strategy changes across the card product lifecycle. They will consistently seek opportunities to improve the profitability of Intuit’s card products while maintaining credit risk below guardrails. They will partner heavily with the marketing team to identify prospects from Intuit’s vast customer base and drive customer acquisition efforts. This is a high visibility role that presents an excellent opportunity to develop a credit card program through a rigorous test and learn agenda.
Responsibilities
Develop, implement and manage credit risk strategies across customer targeting, underwriting, pricing, portfolio management, collections and drive overall card profitability
Leverage cashflow analyses of Intuit’s Quick Books customers to enhance underwriting and overall risk management
Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks
Develop monitoring frameworks and reporting on key performance indicators
Establish performance expectations and maintain accountability for variance with actuals
Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability
Partner with Capital Markets, Product, Engineering, Compliance, Marketing and other functions to implement and monitor credit strategy changes
Proactively contribute innovative concepts for the creation of new financing products at Intuit Pay offered is based on factors such as job‑related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.
Qualifications
Bachelor’s degree in Business, Finance, Economics, Mathematics, Engineering or other quantitative disciplines or equivalent experience
Minimum 3 years of experience in credit risk analytics and risk management
Familiarity with credit scoring and modeling techniques including regression modeling, multivariate analyses and machine learning
Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources
Excellent analytical and problem‑solving skills with a proven track record of converting analysis insights into business recommendations
Exceptional verbal and written communication skills to effectively communicate complex ideas and influence audiences in decision making
Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs. Pay offered is based on factors such as job‑related knowledge, skills, experience, and work location. The expected base pay range for this position is: Bay Area California $147,500-199,500.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
Industries Software Development
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One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. That’s how we power prosperity. QuickBooks Capital is a nimble and high‑priority business unit within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talents and team members that love new challenges, cracking tough problems and working cross‑functionally. If you are looking to join a fast‑paced, innovative and incredibly fun team, then we encourage you to apply.
As a key leader of the Credit Risk Management team, this individual will be responsible for developing, optimizing and managing strategies for credit card risk underwriting, risk‑based pricing, portfolio management, debt collections, fraud analytics and loss forecasting. This individual will effectively partner with multiple cross‑functional teams to implement and monitor strategy changes across the card product lifecycle. They will consistently seek opportunities to improve the profitability of Intuit’s card products while maintaining credit risk below guardrails. They will partner heavily with the marketing team to identify prospects from Intuit’s vast customer base and drive customer acquisition efforts. This is a high visibility role that presents an excellent opportunity to develop a credit card program through a rigorous test and learn agenda.
Responsibilities
Develop, implement and manage credit risk strategies across customer targeting, underwriting, pricing, portfolio management, collections and drive overall card profitability
Leverage cashflow analyses of Intuit’s Quick Books customers to enhance underwriting and overall risk management
Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks
Develop monitoring frameworks and reporting on key performance indicators
Establish performance expectations and maintain accountability for variance with actuals
Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability
Partner with Capital Markets, Product, Engineering, Compliance, Marketing and other functions to implement and monitor credit strategy changes
Proactively contribute innovative concepts for the creation of new financing products at Intuit Pay offered is based on factors such as job‑related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.
Qualifications
Bachelor’s degree in Business, Finance, Economics, Mathematics, Engineering or other quantitative disciplines or equivalent experience
Minimum 3 years of experience in credit risk analytics and risk management
Familiarity with credit scoring and modeling techniques including regression modeling, multivariate analyses and machine learning
Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources
Excellent analytical and problem‑solving skills with a proven track record of converting analysis insights into business recommendations
Exceptional verbal and written communication skills to effectively communicate complex ideas and influence audiences in decision making
Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs. Pay offered is based on factors such as job‑related knowledge, skills, experience, and work location. The expected base pay range for this position is: Bay Area California $147,500-199,500.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
Industries Software Development
#J-18808-Ljbffr