Director of Credit Reporting and Analytics

Credit Fraud Strategist with SQL/R/Python

This leadership role will help shape the credit team’s data strategy, reporting framework, and analytical capabilities. The role will work extensively to help transform complex credit data into actionable business intelligence that drives informed risk decisions and supports various business lines including consumer and small business cards. A key focus will be on leading an AI project aimed at enhancing predictive analytics and automation within the credit function.

Are you a Financial leader who is very quick, able to think on your feet; and experienced interfacing with IT, Marketing, Operations, Fraud with both technical and analytical business skills? We’d love to hear from you! Huge growth opportunity in a growing organization with our premier Omaha client. We are seeking a candidate with 8-10 years of credit card underwriting, experienced with payment holds for charging higher balances.

You will eventually have your own team in future but to start current need is hands‑on. This role has lots of freedom and flexibility in work schedule if you have the drive to make things happen - drive and own the effort.

• Lead efforts to detect and manage 1st party fraud at both the point of acquisition and during portfolio management
• Establish High Risk Credit Management Manual Review Team & Process
  • Establish a formal High Risk Credit Management Manual Review process to review risk accounts for 1st party Fraud reasons and close or give credit line decreases to these population
  • Ensure High Risk Credit Management Manual Review process is established under the Compliance guidelines considering regulatory requirements allowing us to use appropriate adverse actions
  • Create targeted ad hoc reports to identify suspicious accounts for review by the High Risk Credit Management Manual Review
• Create the algorithms and pull from disparate data sources
• Manage and continuously enhance payment float strategies (Open To Buy strategies) by integrating new data sources and optimizing system capabilities
  • Optimizing the Open to Buy strategy rules while reducing the bounced payments and charge‑offs vs. increasing customer experience through increasing lines available and float less payments for shorter time frames
  • Bring new tools to complement EWS coverage to increase the coverage ratio for payments
• Focus on unauthorized payments and reduce the risk through closing and/or denying name mismatch DDA accounts
• Manage and enhance HIL and UCL strategies for 1st and 3rd party purposes
• Align the pre‑approval and post‑approval manual review population while considering the expectations from Business as well as considering the losses and funding speed of the loans
• Add new tools to capture fake documents for high exposure HIL loans which are prevalent in 1st party fraud
• Manage daily reviews of HIL and UCL, and the performance of the manual analysts. Complete feedback loop with the Business for collusive merchants and with HIL Risk team for the necessary underwriting strategies
• Serve as Credit's primary liaison with the Enterprise Data Management (EDM) team
• Act as a data steward and subject matter expert for credit‑related data within the enterprise data warehouse and Galaxy ensuring data quality, accessibility, and usability. Promote advanced analytics such as Machine learning models and Chaid analysis to be able to improve the strategies
• Lead the enhancement of AI applications within Credit and Fraud to drive automation, detect anomalies, and improve operational efficiency
• Contribute to the design of fraud underwriting processes within new Galaxy platform implementations
• Partner with VP of IT to be able to implement new AI use cases which will help to make Fraud/Credit reporting more automated. Create tools with IVY and w/o IVY (e.g. w/ Zest) to detect payment and behavior anomalies to detect Fraud earlier
• Team Leadership & Development

• Credit risk underwriting (credit card) 8+ years of experience in credit analytics, risk management, or a related field
• Fraud Application experience
• Payment holds strategy experience and Payment float experience
• SQL/ R/ Python 3 years of…