Credit Card Risk Strategy Analyst

Huntington; Chicago (IL); On-site; USD 102,000 - 208,000; Full time

Benefits offered by this job

Health insurance coverage

Wellness program

Life and disability insurance

Retirement savings plan

Paid leave programs

Paid holidays

PTO

Job summary

Huntington in Chicago seeks a Credit Card Risk Strategy Analyst to lead the development, implementation, and ongoing monitoring of quantitative credit strategies for consumer card origination, including initial credit line assignment and risk-based pricing.

Design policy experiments and A/B tests, forecast and report on credit risk, and partner with Credit Administration, Underwriting, Fraud, Model Risk Management, Product and Legal/Compliance to align with regulatory requirements.

Qualifications

• Bachelor's degree and 7+ years in analytics within financial services.
• 5+ years experience with SQL/SAS.
• Preferred: MBA/MS/PhD in Statistics, Economics, Finance, or Business Analytics.
• Experience with Tableau, Snowflake or similar data visualization tools.

Responsibilities

• Lead development and oversight of consumer credit card origination strategies.
• Design experiments and A/B tests; translate findings into policy enhancements.
• Manage forecasting, monitoring, and reporting of credit risk performance.
• Partner with Credit Administration, Underwriting, Fraud, Model Risk, Product and Legal/Compliance.

Skills

Analytical thinking

Attention to detail

Communication skills

Multi-project management

Education

Bachelor's degree

MBA/MS or Ph.D in Statistics/Economics/Finance/Business Analytics

Tools

Tableau

Snowflake

Microsoft Excel

Job description

The Credit Card Risk Strategy Analyst leads the development, implementation, and ongoing monitoring of quantitative credit strategies for Huntington's consumer credit card acquisition programs. The role is responsible for account approval strategies, initial credit line assignment, and risk-based pricing strategies. This position also monitors the credit risk profile and performance of newly acquired accounts to ensure alignment with established portfolio loss and risk-adjusted return objectives.

Job Responsibilities

• Lead the development, implementation, and ongoing oversight of consumer credit card new account origination strategies, including segment-level performance reporting and change management.
• Design, execute, and evaluate policy experiments and A/B tests, translating analytical findings into actionable credit policy and strategy enhancements.
• Manage forecasting, monitoring, and reporting frameworks that provide timely visibility into credit risk performance and emerging portfolio trends.
• Partner cross-functionally with Credit Administration, Underwriting, Fraud, Model Risk Management, Product, and Legal/Compliance to advance business priorities and ensure alignment with risk and regulatory requirements.
• Demonstrated experience managing the full analytical lifecycle, including project development, execution, presentation, implementation, and post-implementation monitoring.
• Demonstrated understanding of credit card profit-and-loss (P&L) drivers and financial performance.
• Analyze data using SQL/SAS to review performance, conduct comprehensive analyses, propose strategy changes, and validate implementations.

Basic Qualifications

• Bachelors degree 7+ years experience in analytics role in financial services.
• 5+ years experience with SQL/SAS

Preferred Qualifications

• MBA/MS or Ph.D in Statistics, Economics, Finance, or Business Analytics
• Experience with Tableau, Snowflake, or comparable data visualization tools, and Microsoft Excel.
• Strong organization and communication skills, both verbal and written
• Strong analytical skills and thought process, with a high degree of attention to detail
• Ability to articulate problem solving methodology used to research and create solutions
• Ability to work on multiple projects at once, prioritizing within tight time constraints.

Workplace Information

Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type. Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Compensation Range: $102,000 - $208,000 Annual Salary. The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education.

Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.

Benefits

• health insurance coverage
• wellness program
• life and disability insurance
• retirement savings plan
• paid leave programs
• paid holidays
• paid time off (PTO)

Huntington is an Equal Opportunity Employer.

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