Senior Associate, Credit Risk Analytics

What You Have:

• Minimum Education, Skills and Experience Required
• Degree in statistics, economics, mathematics, or other quantitative science or equivalent, relevant work experience.
• Advance SQL coding required, with a minimum of 2yrs work experience using these languages.
• Experience with credit analytics, financial services, credit strategy or equivalent work experience.
• Applied experience using statistical tools (e.g., SAS, Python, R, Tableau etc.).
• 2 years of work experience building dashboards using PowerBI and the DAX coding language.
• Familiarity with credit policy, procedures, and standards.
• Be innovative - identify opportunities and drive actions.
• Strong understanding of regulatory environment.
• Has an inquisitive mindset.
• Strong oral and written communication skills as well as presentation skills.
• Strong organizational skills with attention to details.
• Strong team player who listens to stakeholders and works effectively toward solutions.
• Preferred Education, Skills and Experience
• Masters or PHD degree.
• Advance Python knowledge.
• Exposure to machine learning.
• Building dashboards using Tableau.
• The Americans with Disabilities Act
• The Americans with Disabilities Act of 1990 (ADA) prohibits discrimination by employers, in compensation and employment opportunities, against qualified individuals with disabilities who, with or without reasonable accommodation, can perform the “essential functions” of a job. A function may be essential for any of several reasons, including: the job exists to perform that function, the employee holding the job was hired for his/her expertise in performing the function, or only a limited number of employees are available to perform that function.

Our benefits take care of the whole you—so you can build your work around your life (not the other way around!).

Responsibilities

• Supports 2nd Line of Defense analytical review of credit risk across the entire credit life cycle.
• Evaluates risk impact of strategy changes, environmental changes, and related layered risk.
• Provides analytical support, deep diving into emerging credit trends and performing ad-hoc credit reporting. Provides narratives of observations and preparation of presentation materials.
• Design and develop Power BI dashboards to meet the reporting needs of the risk organization, encompassing areas such as operational risk, financial crimes risk, technology and cyber risk, enterprise risk, business controls, and compliance.
• Develop and optimize advanced Python scripts and SQL queries for data extraction and manipulation.
• Collaborate with stakeholders to understand analytic needs and reporting requirements and translate them into technical specifications.
• Ensure data integrity and accuracy in risk reporting processes.
• Assist in the continuous improvement of reporting workflows and methodologies.
• Uses analytical techniques to provide insights into portfolio credit quality at segment level and assessment of emerging risk.
• Communicates findings and recommended enhancements to business partners and review remediation.
• Develops monitoring for credit decision processes based on aggregation of component (models used in credit decisions, alt-data and other tools) risk and complexity.
• Designs and supports business cycle and credit impact assessments.
• Manages documentation, process, and standards for compliance with credit risk policy requirements.
• Assists in the compilation of the quarterly Chief Credit Risk Officer submissions.
• Documents and communicate results to senior leadership.
• The above information is intended to describe the general nature and level of work performed by employees assigned to this job; it is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees in this role.
• Degree in statistics, economics, mathematics, or other quantitative science or equivalent, relevant work experience.
• Advance SQL coding required, with a minimum of 2yrs work experience using these languages.
• Experience with credit analytics, financial services, credit strategy or equivalent work experience.
• Applied experience using statistical tools (e.g., SAS, Python, R, Tableau etc.).
• 2 years of work experience building dashboards using PowerBI and the DAX coding language.
• Familiarity with credit policy, procedures, and standards.
• Be innovative - identify opportunities and drive actions.
• Strong understanding of regulatory environment.
• Has an inquisitive mindset.
• Strong oral and written communication skills as well as presentation skills.
• Strong organizational skills with attention to details.
• Strong team player who listens to stakeholders and works effectively toward solutions.
• Masters or PHD degree.
• Advance Python knowledge.
• Exposure to machine learning.
• Building dashboards using Tableau.
• The Americans with Disabilities Act
• The Americans with Disabilities Act of 1990 (ADA) prohibits discrimination by employers, in compensation and employment opportunities, against qualified individuals with disabilities who, with or without reasonable accommodation, can perform the “essential functions” of a job. A function may be essential for any of several reasons, including: the job exists to perform that function, the employee holding the job was hired for his/her expertise in performing the function, or only a limited number of employees are available to perform that function.
• Feeling your best helps you do your best:
• Competitive base salaries
• Bonus incentives
• Generous PTO, Floating Holidays and 12 Federal Holidays observed
• Support for financial-well-being and retirement 401k with employer match
• Comprehensive medical, dental, vision, hospital indemnity, critical illness, pet insurance and more
• Employer paid short-term/long-term disability and basic life insurance
• Flexible hybrid working arrangements.
• Paid parental leave and adoption reimbursement programs
• Free access to on-site staffed fitness centers (in Delaware) and gym subsidy (for locations outside Delaware)
• Confidential counseling support (EAP), Health Advocacy services and Wellness program with financial incentives
• Tuition Reimbursement and Family Scholarship Programs
• Career development and training opportunities
• Not the right fit? Let us know you're interested in a future opportunity by clicking Introduce Yourself in the top-right corner of the page or create an account to set up email alerts as new job postings become available that meet your interest!
• Sallie Mae is proud to be an equal opportunity (EEO) employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender, sexual orientation, national origin, age, genetic information, gender identity, disability, Veteran status or any other characteristic protected by federal, state or local law. Click here to view the U.S. Pay Transparency Policy, here for federal job applicant notices, and here to view the California Employee Privacy Notice.
• Reasonable accommodations are available for applicants with disabilities in all phases of the application and employment process. To request an accommodation please call (855) 756-2007 and choose option 9. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.