Credit Risk Manager
exlJersey City (NJ)
About the role
Role: Manager - Consumer Credit Risk Analytics & Reporting Transformation
Location:
New Jersey (Preferred), Pennsylvania, Delaware, New York (Hybrid – 3 days onsite and 2 days’ work from home)
Duration:
Full Time Role summary: Senior client-facing role leading transformation of credit risk reporting for a top US banking client across consumer lending portfolio (secured and unsecured) combining risk analytics with delivery leadership of a large-scale reporting automation program.
Key responsibilities:
Portfolio performance analytics and risk insight - Analyze credit performance across consumer book: identify emerging trends, drivers of delinquency and loss movements, assess performance against risk appetite, connect portfolio outcomes to underlying credit strategy — acquisition quality, line management, and loss mitigation. Author the risk narrative presented to the client's senior risk leadership each cycle. Lead the reporting automation program — Manage the end-to-end automation of risk reporting suite in partnership with the data engineering team responsible for the automation: prioritize build, ensure business logic and analytical intent are correctly implemented, and own validation and sign-off on automated outputs. Own client engagement — Manage senior risk stakeholders, drive program roadmap, and be accountable for delivery.
Qualifications:
Min. 4 years of consumer credit risk analytics experience at a bank or consumer lender, spanning portfolio analytics, credit strategy, performance reporting and risk appetite frameworks Proven ability to present and defend risk positions with senior stakeholdersSQL (mandatory) / Python proficiency preferred Familiarity with modern data environments (Databricks/Snowflake) and experience guiding reporting automation or analytics modernization preferred.
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