Credit One Bank
Description
Position Summary
Credit One Bank is seeking a statistical modeling professional with a curious and competitive mindset to join the Advanced Analytics shop. Part of the Risk Management department, this position primarily supports acquisition strategy and goals, but partners with stakeholders across the bank. Our modelers are tasked with projects developing predictive models, risk strategies and optimization techniques spanning all dimensions of the Bank’s acquisition strategy, as well as delivering insights from deep dive or especially complex analyses. Common project areas include targeting strategy, offer optimization, risk scoring, credit underwriting, financial forecasting, and competitive intelligence. The successful candidate will have a technical familiarity with multiple predictive algorithms. Relevant expertise would include linear and logistic regressions, ARIMA or GARCH-style time series forecasts, exponential smoothing, tree-based methods, unsupervised learning, gradient boosting, as well as other algorithms. They should be fluent with common software tools for statistical analysis, in addition to their skills with SQL. Candidates should demonstrate their ability and initiative to follow their nose to mine insights from complex data, then link their analytic conclusions with actionable recommendations for credit strategy. Summary of Essential Job Functions
Performs modeling and complex analyses to maximize profits and asset returns while minimizing credit losses and other risk exposures. Engages with model users and stakeholders to deliver incremental value and bespoke solutions. Conducts live testing of strategies, models, and data attributes to evaluate benefits and propose changes to credit policy. Manages the model lifecycle end-to-end, from development through implementation, monitoring and retirement. Monitors, analyzes, publishes and presents model performance reports to ensure stability and efficacy. Guides and reviews the technical implementation of models and strategies for live testing. Monitors, analyzes and proposes changes to risk strategies and risk management processes. Partners with strategy owners, tech teams, and leaders to define and deliver requirements. Leverages knowledge of economic and industry trends to anticipate risks to profitability, and proposes direction and solutions. Researches, quantifies, and communicates the impacts of business decisions. Acts as a consultant to business partners to provide peer review and technical guidance. Serves as an expert consultant to senior leadership on complex quantitative initiatives. Provides analytic support to drive progress toward company goals Performs other duties as assigned. Position Requirements
Advanced degree in a pure quantitative field 2yrs experience in data science Excellent statistical and quantitative skills Excellent analytic and conceptual problem-solving skills Excellent written, verbal, and visual communication skills Excellent coding skills in Python and SQL Well-developed organizational and prioritization skills Agility and mentality to contribute in a driven team environment. Professional proficiency with standard technology Preferred
1yr experience in consumer credit risk management 3yrs experience in data science Demonstrated professional experience publishing open-source functions/packages Demonstrated professional experience building MLOps flows Demonstrated professional experience with a broad range of supervised learning technique Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice. Please contact the recruiter for this position to learn more. Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.
Credit One Bank is seeking a statistical modeling professional with a curious and competitive mindset to join the Advanced Analytics shop. Part of the Risk Management department, this position primarily supports acquisition strategy and goals, but partners with stakeholders across the bank. Our modelers are tasked with projects developing predictive models, risk strategies and optimization techniques spanning all dimensions of the Bank’s acquisition strategy, as well as delivering insights from deep dive or especially complex analyses. Common project areas include targeting strategy, offer optimization, risk scoring, credit underwriting, financial forecasting, and competitive intelligence. The successful candidate will have a technical familiarity with multiple predictive algorithms. Relevant expertise would include linear and logistic regressions, ARIMA or GARCH-style time series forecasts, exponential smoothing, tree-based methods, unsupervised learning, gradient boosting, as well as other algorithms. They should be fluent with common software tools for statistical analysis, in addition to their skills with SQL. Candidates should demonstrate their ability and initiative to follow their nose to mine insights from complex data, then link their analytic conclusions with actionable recommendations for credit strategy. Summary of Essential Job Functions
Performs modeling and complex analyses to maximize profits and asset returns while minimizing credit losses and other risk exposures. Engages with model users and stakeholders to deliver incremental value and bespoke solutions. Conducts live testing of strategies, models, and data attributes to evaluate benefits and propose changes to credit policy. Manages the model lifecycle end-to-end, from development through implementation, monitoring and retirement. Monitors, analyzes, publishes and presents model performance reports to ensure stability and efficacy. Guides and reviews the technical implementation of models and strategies for live testing. Monitors, analyzes and proposes changes to risk strategies and risk management processes. Partners with strategy owners, tech teams, and leaders to define and deliver requirements. Leverages knowledge of economic and industry trends to anticipate risks to profitability, and proposes direction and solutions. Researches, quantifies, and communicates the impacts of business decisions. Acts as a consultant to business partners to provide peer review and technical guidance. Serves as an expert consultant to senior leadership on complex quantitative initiatives. Provides analytic support to drive progress toward company goals Performs other duties as assigned. Position Requirements
Advanced degree in a pure quantitative field 2yrs experience in data science Excellent statistical and quantitative skills Excellent analytic and conceptual problem-solving skills Excellent written, verbal, and visual communication skills Excellent coding skills in Python and SQL Well-developed organizational and prioritization skills Agility and mentality to contribute in a driven team environment. Professional proficiency with standard technology Preferred
1yr experience in consumer credit risk management 3yrs experience in data science Demonstrated professional experience publishing open-source functions/packages Demonstrated professional experience building MLOps flows Demonstrated professional experience with a broad range of supervised learning technique Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice. Please contact the recruiter for this position to learn more. Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.