Small Business Credit Card Risk Manager

U.S. Bank; Chicago (IL); Hybrid; USD 119,000 - 155,000; Full time

Job summary

U.S. Bank seeks an experienced Risk Management professional to enhance the Small Business credit card portfolio by analyzing risk strategies. The ideal candidate will possess strong analytical skills and have 7-10 years of relevant experience, leveraging tools like SAS and SQL in a hybrid working environment.

Benefits

Healthcare (medical, dental, vision)

401(k) and employer-funded retirement plan

Paid vacation (2 to 5 weeks)

Short-term and long-term disability coverage

Adoption assistance

Sick and Safe Leave accruals

Qualifications

• Bachelor's degree or equivalent work experience.
• 7-10 years of related experience.

Responsibilities

• Lead Strategy Research and Analytics for the Small Business credit card portfolio.
• Analyze large datasets and identify opportunities.
• Create and automate reports for senior management.

Skills

Analytical skills

Project management

Data analysis

Credit risk management

Presentation skills

Education

Bachelor's degree

Tools

SAS

SQL

Job description

1 week ago Be among the first 25 applicants

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

U.S. Bank is hiring a responsible, hard-working Risk Management professional skilled in SAS/SQL and strategy analysis to manage existing customer credit risks through credit line increase/decrease programs for the Small Business credit card Risk Strategy team.

Position Highlights

• Lead the Strategy Research and Analytics function for the Small Business Credit Card portfolio. Analyze large amount of historical data to identify risks and opportunities in the various risk strategies, such as underwriting, credit line increase and decrease strategies, as well as other portfolio management areas
• Create presentations and reports to communicate finding and opportunities to Risk partners and senior management
• Work with various departments to identify data sources that will assist with small business credit card new account and life cycle management analysis
• Query large datasets using SAS EG or SQL Plus, performing segmentation and decision tree analysis
• Identify patterns through large credit card financial data
• Work as a liaison between Marketing, Risk, Data Warehouse teams to keep data organized. Become a data expert for the Small Business team and builds reports, data inventory, and analysis that help with making data-driven decisions
• Create and automate timely and accurate tracking and reports for senior management. Summarize finding from the reports to deliver clear messages about strategy improvement opportunities
  
  
  

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Seven to 10 years of related experience
  
  
  

Preferred Skills And Experience

• Bachelor's degree with an emphasis in computer science, business, analytics, statistics, data science or equivalent work experience
• Five plus years of relevant experience in credit card risk management functions
• In-depth understanding of the Risk Management function in credit card risk management
• Strong analytical skills
• Expertise with SAS, SAS EG or SQL plus to pull large amount of data and do data analysis
• Strong process facilitation, project management, analytical, and presentation skills
• Hands on experience with querying ACAPS, Financial, and Master table data
• Experience working with small business credit card portfolio
  
  
  

Hybrid/flexible schedule

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
  
  
  

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00 - $154,990.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking

Referrals increase your chances of interviewing at U.S. Bank by 2x

Get notified about new Business Risk Manager jobs in Chicago, IL.

Financial Analysis Vice President - Finance & Business Management

Head of Portfolio Oversight, US Operational Risk Management

Chicago, IL $225,000.00-$255,000.00 4 days ago

Chicago, IL $109,000.00-$185,000.00 4 days ago

Principal Risk Manager, Transportation Risk and Compliance

Chicago, IL $169,500.00-$291,500.00 3 days ago

Chicago, IL $109,000.00-$185,000.00 17 hours ago

Chicago, IL $175,000.00-$220,000.00 1 week ago

Program Manager, Scaled Operations Risk Management

Chicago, IL $91,000.00-$148,000.00 21 hours ago

US Operational Risk Manager - Loan & Deposit Operations

Chicago, IL $135,000.00-$160,000.00 17 hours ago

Chicago, IL $140,000.00-$200,000.00 7 hours ago

Senior Manager, Liquidity Risk Oversight

Risk and Compliance Program Manager, Platforms and Ecosystems

Internal Controls & Business Risk Manager

Chicago, IL $100,000.00-$185,500.00 6 days ago

Internal Controls & Business Risk Manager

Greater Chicago Area $112,770.00-$193,320.00 1 week ago

Des Plaines, IL $120,000.00-$140,000.00 1 month ago

Chicago, IL $110,000.00-$180,000.00 7 hours ago

Manager, Enterprise Services Business Risk Guide

Business Consulting-Risk-Technology Risk-Senior Manager-Multiple Positions-1605088

Treasury Management Sales Leader I - C&IB

Chicago, IL $96,000.00-$207,600.00 5 days ago

Chicago, IL $70,000.00-$140,000.00 1 week ago

Chicago, IL $203,000.00-$318,000.00 5 days ago

We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.