Director, Credit Risk Analytics (Remote)

CardWorks; Utah; Hybrid; USD 150,000 - 210,000; Full time

Benefits offered by this job

Work from home benefit

Job summary

Merrick Bank, a Merrick Bank Corporation subsidiary, is seeking a Director to lead the development and execution of near-prime and non-prime credit strategies. You will optimize portfolio performance through advanced modeling, risk frameworks, and data-driven decision making.

The role requires extensive experience in credit risk, regulatory-aligned frameworks, and collaboration with Marketing, Finance, Operations, and Technology. Hybrid work with occasional travel to Wilmington, DE.

Qualifications

• Six years of experience in Business Analytics, Risk, Statistician, or similar roles.
• Experience in the Credit Card Industry or Consumer Finance is preferred.
• Bachelor’s degree in Data Science, Mathematics, Statistics, or Economics; or Master’s with four years in relevant roles.
• Develop and implement credit strategies and risk management frameworks.
• Translate analytical findings for senior stakeholders.

Responsibilities

• Develop near-prime or non-prime portfolio credit strategies.
• Use NPV, DCF, ROI for risk-return optimization.
• Design risk management frameworks aligned with regulatory standards.
• Analyze unsecured credit portfolios and lifecycle dynamics.
• Collaborate with Marketing, Finance, Operations, and Technology.
• Lead test-and-learn frameworks to monitor treatment effectiveness.
• Direct communication of strategic recommendations to leadership.

Skills

Credit risk

Financial modeling

Data analysis

Machine learning

Stakeholder comms

Cross-functional collab

Education

Bachelor’s degree in quantitative field

Tools

SAS

SQL

Python

Power BI

Job description

Merrick Bank, a Merrick Bank Corporation subsidiary, is seeking a Director to lead the development and execution of near-prime and non-prime credit strategies. You will optimize portfolio performance through advanced modeling, risk frameworks, and data-driven decision making.

The role requires extensive experience in credit risk, regulatory-aligned frameworks, and collaboration with Marketing, Finance, Operations, and Technology. Hybrid work with occasional travel to Wilmington, DE.