LOCATION: TX-HOUSTON-HOUSTON TOWER
Credit Card - Risk Analytics, SR Manager
USA - Compass Bank dba BBVA Compass
At BBVA, we are leading the transformation of global banking with the aim of bringing the opportunities of this new era within everyone's reach. We are a global financial institution present in 30 countries with over 75 million customers. We are a bank with over 126,000 employees across the world and every one of those employees is leading and designing his/her professional career with the help of tools provided by the organisation to make that happen.
Corporate responsibility is an intrinsic part of our business model, promoting inclusion and financial education while supporting research and culture. Being part of BBVA means developing your career in one of the most innovative companies in finance.
We started out with the spirit of helping others make the best financial decisions. That spirit remains with us today and encourages us to keep moving forward, prioritising innovation and digital transformation so that we can bring the opportunities of this new era within everyone's reach.
Our values define our identity; they are what drives us to make our goals a reality and they guide all of our actions and the decisions we make.
- The customer comes first.
- We think big.
- We are one team.
The Retail Models & Analytics group is part of the Risk Innovation, Data and Analytics organization. It is responsible for the development and implementation of risk scorecards, fraud models and credit risk strategies across the customer lifecycle for all Retail Credit portfolios.
This individual will responsible for developing and optimizing analytically driven credit risk strategies on Retail Credit Card and Consumer Direct portfolios, with a focus on the Digital Bank. This includes developing risk strategies for new risk scorecards or optimizing existing strategies. The individual will also integrate customer level risk scores into reactive decision points and into account management strategies. And also to undertake complex analytics to support key strategic initiatives for growth, innovation or risk mitigation.
Develop and optimize credit risk strategies for Credit Cards and Consumer Direct portfolios using analytical techniques and statistical analysis to meet pre-defined goals
Build credit risk strategies for originations, account management and collections
Meet strategic business targets for auto-decisioning
Develop risk based pricing models and strategies to meet RAROC targets
Integrate new data sources and solutions into credit risk strategies
Responsible for integrating customer level risk scores into reactive and account management decisoning
Developing a program to track expected versus actual behavioral and performance measures for appropriate portfolios, populations, and segmentation end-nodes
Enhance the analytic framework for credit decisioning and pricing
New quantitatively driven challenger strategies and pilot programs across the customer lifecycle
Develop and present analysis results and recommendations to senior leaders
Lead a small team of analytic / statistician resources
Undertake ad-hoc data analytics as required
Master's Degree in a quantitative discipline with a minimum of ten (10) years of experience in a credit risk analytics or portfolio management role and three (3) years of experience developing data driven credit risk strategies for a credit card or other unsecured portfolio.
Working experience with SAS, including E-Miner and SQL
Preferred experience working for a top 10 national U.S. credit card issuer
Work experience may substitute for education requirement.
Required: None required
Preferred: None preferred
Note: This job has multiple levels (i.e. I, II, III, etc.). The posted job description includes the qualifications associated with the entry level position. If hired, you may be placed at a level above the entry level position. The level of placement will be based on experience, education and skills.
- Initiate and manage credit policy enhancements, including analysis and validation and testing of risk management policies and strategies to manage various aspects across credit life cycle, including full accountability for implementation.
- Conduct risk, financial and data analysis including profiling, sampling, and quality testing.
- Track and report all initiatives performance results, emerging trends, and portfolio performance on a timely basis.
- Lead a team of analysts.
- Craft Risk requirements to define custom risk strategies changes, with Engineering, IT, LOB, bureaus, and external vendors.
- Ensure technical requirements for risk strategies are clear and understood.
- Implement initiatives to ensure consistency and compliance with credit policies and timely delivery of requirements.
- Establish solid cross functional partnerships and networks to contribute and execute cross functional and business initiatives.
Note: Required to meet credit history and criminal background requirements associated with Nationwide Mortgage Licensing System and Registry registration process, to include FBI fingerprint criminal history report and review of credit report
Note: Must meet credit history and criminal background requirements associated with Financial Industry Regulatory Authority registration process, to include FBI fingerprint criminal history, review of credit report, civil litigation, liens, and other public records
At BBVA, we are proud to be a company that prioritizes diversity, inclusion and equal opportunities, regardless of the race, age, gender, ethnicity, disability, religion or sexual orientation of our employees and collaborators. Corporate responsibility
is an essential component of our business model, as we promote financial education and support research and culture.
Being part of BBVA means developing your career in the company that is leading the transformation of the financial sector.
Pay Transparency Policy Statement
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information (41 C.F.R. 60-1.35 (c)).
Individuals with Disabilities
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BBVA Compass, BBVA Securities Inc., and BBVA S.A. New York Branch have a firm and unwavering policy to provide equal employment opportunity without regard to age, citizenship, color, disability, ethnic origin, gender, gender identity and expression, marital status, nationality, national origin, race, religion, sexual orientation, genetic predisposition, protected veteran status, or any other status or classification protected by federal, state or local law. This policy includes all job groups, classifications and organizational units. With regard to employment, this policy extends to applicants and covers our recruiting, hiring, promotion, transfer, demotion, discipline, termination, benefits, compensation and training practices as well as social and recreational activities.
View the "EEO is the Law" & "View the EEO is the Law Supplement Poster" poster. BBVA Compass, BBVA Securities, Inc., and BBVA NY are equal opportunity and affirmative action employer.