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Lead Data Science Analyst - Consumer Credit Oversight

Company: Discover
Location: Deerfield
Posted on: August 4, 2022

Job Description:

Discover. A brighter future.With us, you ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine. Come build your future, while being the reason millions of people find a brighter financial future with Discover.Job Description Responsible for working closely with management to execute analytical initiatives in support of the oversight of consumer credit risk across Discover s lending products (including credit card, personal loans, student loans and home loans) within the overall Corporate Risk Management framework and system. Responsible for conducting consumer credit risk oversight reviews by leveraging techniques such as segmentation, optimization, advanced analytics and machine learning; creates reports and dashboards to closely monitor credit performance metrics and provide early warnings and insights; and provides oversight on consumer credit risk appetite and key risk indicators framework and Allowance for Credit Losses (ACL) through effective challenge processes.Responsibilities

  • Leads the development and implementation of advanced analytics including customer segmentation, optimization, prescriptive analytics and machine learning algorithm & recommendation to solve business problems. Operates as a subject matter expert on statistical analysis, test and design of experiment, analysis methodology, modeling & application, and financial impact analysis.
  • Collaborates with cross-functional partners to understand their business needs, formulate and complete end-to-end analysis that includes data gathering, analysis, ongoing scaled deliverables and presentations. Delivers effective presentations of findings and recommendations to multiple levels of leadership, creating visual displays of quantitative information.
  • Establishes and maintains effective performance tracking; identify improvement opportunity, form hypothesis, proposes, designs and implements tests to drive strategy enhancement and optimization.
  • Manages multiple priorities, communicate business performance and project progress to management & business partners.
  • Develops and automates reports, iteratively build and prototype dashboards to provide insights at scale, solving for analytical needs. Facilitates implementation of work product and ensure accuracy.
  • Consistently follows standard work processes and documentation requirements. Recommends improvement to work processes to increase efficiency while maintaining quality of work.
  • Continuously improves technical and leadership skills through training and development.Minimum QualificationsAt a minimum, here s what we need from you:
    • Bachelor's Degree in Analytics, Engineering, or Statistics
    • 4+ years of experience in Credit Risk, Fraud Risk, Marketing Analytics, Optimization, Operations Analytics, Modeling/Data Science or related.
    • Preferred QualificationsIf we had our say, we d also look for:
      • Master's Degree in Analytics, Engineering, Mathematics or Statistics
      • 2+ years of experience in Credit Risk, Fraud Risk, Marketing Analytics, Optimization, Operations Analytics, Modeling/Data Science or related
      • Programming skill using SAS, SQL and other analytical tools such as Python and R
      • Data collection, mining and manipulation skill, and ability to deal with large datasets
      • Ability to identify significant trends through data analyses and information processing#LI-CR1What are you waiting for? Apply today!The same way we treat our employees is how we treat all applicants with respect. Discover Financial Services is an equal opportunity employer . We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover. Associated topics: data center, data integration, data integrity, data manager, data warehousing, database, hbase, sql, sybase, teradata

Keywords: Discover, Arlington Heights , Lead Data Science Analyst - Consumer Credit Oversight, Professions , Deerfield, Illinois

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