Principal Analyst - Credit Risk Management, Intuit Business Credit Card

Intuit Inc.; Mountain View (CA); Presencial; USD 236.000 - 320.000; Jornada completa

Descripción de la vacante

Intuit Inc. is seeking a senior leader for Credit Risk Management within QuickBooks Capital to own underwriting strategy, risk pricing, and loss forecasting for the card product.

You will lead a team of analysts, partner with Data Science, and drive AI-enabled insights to optimize profitability across the card lifecycle. You will collaborate with Product, Engineering, Compliance, Marketing and Operations to implement credit strategies, monitor KPIs, and deliver actionable recommendations for

Formación

• 8+ years of experience in credit risk analytics and risk management
• Familiarity with risk scoring and modeling techniques
• Experience with SQL, SAS, Python, R, and Tableau
• Strong communication and analytical skills

Responsabilidades

• Develop and manage credit risk strategies across underwriting and portfolios
• Lead risk models and monitoring frameworks
• Collaborate with cross-functional teams to implement strategy changes
• Drive experimentation with A/B tests for risk/return tradeoffs
• Mentor analysts and grow the team

Conocimientos

Credit risk analytics

People management

Communication skills

Educación

Bachelor’s degree in Business, Finance, Economics, Mathematics, Engineering or other quantitative disciplines

Herramientas

SQL

SAS

Python

R

Tableau

Descripción del empleo

One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. That’s how we power prosperity.

QuickBooks Capital is a nimble and high-priority business unit within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talent and team members that love new challenges, cracking tough problems and working cross-functionally. If you are looking to join a fast-paced, innovative and incredibly fun team, then we encourage you to apply.

As a key leader of the Credit Risk Management team for Intuit’s business credit card product, you will be responsible for developing, optimizing and managing strategies for credit card underwriting, risk-based pricing, portfolio management, debt collections and loss forecasting. You will provide a strategic vision for growing product adoption by leveraging test and learn agendas, life time valuations based decisioning and risk prediction models. You will be responsible for developing and maintaining the credit policy for all stages of the product life cycle, and will be accountable for program performance.

You will lead a team of analysts to set analytical agendas by identifying business priorities, framing key risk questions, and translating them into clear analysis roadmaps for the team. You will identify business problems that require modeling solutions and collaborate heavily with the Data Science team in the development and deployment of risk and performance prediction models. You will be an active proponent of leveraging AI and automation in developing analytical insights, updating models and deploying strategy changes.

You will effectively partner with multiple cross-functional teams to implement and monitor strategy changes across the card lifecycle. You will partner heavily with the marketing team to identify prospects from Intuit’s vast customer base and drive customer acquisition efforts. This is a high visibility leadership role that presents an excellent opportunity to grow an analytical team through hiring, mentoring and developing talent.

Responsibilities

• Develop, implement and manage credit risk management strategies across customer targeting, underwriting, portfolio management, collections and drive overall card profitability
• Leverage cashflow analyses and other business data of Intuit’s Quick Books customers to enhance underwriting and overall risk management
• Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks
• Develop monitoring frameworks and reporting on key performance indicators
• Establish performance expectations and maintain accountability for variance with actuals
• Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability
• Partner with Product, Engineering, Compliance, Marketing, Operations, Capital Markets and other functions to implement and monitor credit strategy changes
• Proactively contribute innovative concepts for the creation of new financing products at Intuit

Qualifications

• Bachelor’s degree in Business, Finance, Economics, Mathematics, Engineering or other quantitative disciplines
• Minimum 8 years of experience in credit risk analytics and risk management, with some people management experience
• Familiarity with risk scoring and modeling techniques including regression modeling, multivariate analyses and machine learning
• Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources
• Excellent analytical and problem-solving skills with a proven track record of converting analysis insights into business recommendations
• Exceptional verbal and written communication skills to effectively communicate complex ideas and influence senior audiences in decision making
• Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.

The expected base pay range for this position is:
Mountain View $236,000 - $319,500