Director of Credit Strategy & Risk Analytics

Merrick Bank; United States; Hybrid; USD 150,000 - 210,000; Full time

Benefits offered by this job

Bonus target or variable pay incentive

Medical, Dental and Vision

401(k) Plan with Company Match

Disability insurance

Wellness programs

Job summary

Merrick Bank is seeking a Director to develop and execute near-prime and non-prime credit strategies with a focus on risk-return optimization. The role involves advanced modeling (NPV, DCF, ROI) and building comprehensive risk management frameworks to meet regulatory standards.

You will lead cross-functional teams, leverage SAS/SQL/Python and Power BI, and supervise analytics staff. Hybrid work with 1–2 days in Wilmington, DE.

Qualifications

• Bachelor’s degree in Data Science, Mathematics, Statistics, or Economics (or equivalent).
• 6 years of experience in Business Analytics, Risk Management or related roles.
• Experience in credit card or consumer finance is required.

Responsibilities

• Develop, design, and execute credit strategies for near-prime or non-prime portfolios.
• Leverage risk-return optimization using NPV, DCF, and ROI in financial modeling.
• Design and implement risk management frameworks aligned with regulatory standards.
• Analyze unsecured credit portfolios and lifecycle dynamics.
• Collaborate with Marketing, Finance, Operations, and Technology to govern analytics-driven strategies.
• Travel to Merrick Bank’s Wilmington, Delaware office 1–2 days/week.

Skills

Credit portfolio management

Risk modeling

Statistical analysis

Machine learning

SAS

SQL

Python

Power BI

Leadership

Education

Bachelor’s degree in Data Science, Mathematics, Statistics, or Economics

Tools

SAS

SQL

Python

Power BI

Job description

Merrick Bank is seeking a Director to develop and execute near-prime and non-prime credit strategies with a focus on risk-return optimization. The role involves advanced modeling (NPV, DCF, ROI) and building comprehensive risk management frameworks to meet regulatory standards.

You will lead cross-functional teams, leverage SAS/SQL/Python and Power BI, and supervise analytics staff. Hybrid work with 1–2 days in Wilmington, DE.