Job Description

Platform Solutions- Vice President- Credit Risk Strategy- Delaware/ Dallas

In Platform Solutions (PS), we power clients with innovative and customer-centered financial products. We bring the best qualities of a technology player and combine that with the best attributes of a large bank. PS is comprised of four main businesses, underpinned by engineering, operations and risk management:

• Transaction Banking , a cash management and payments platform for clients building a corporate treasury system
• Enterprise Partnerships , consumer financial products that companies embed directly within their ecosystems to better serve their end customers
• Merchant Point-of-Sale Lending , a platform that provides custom credit financing for home improvement merchants to offer directly to their customers
• ETF Accelerator , a platform for clients to launch, list and manage exchange-traded funds

Join us on our journey to deliver financial products and platforms that prioritize the customer and developer experience.

The Credit Risk Strategy team develops, implements and maintains the underwriting strategy as well as customer management strategies for the consumer lending business at Goldman Sachs. We leverage traditional, alternative and behavioral data to create an underwriting policy that helps ensure risk-adjusted returns. We work extensively with the marketing, decision sciences, product and technology teams to help create a product and experience that puts the customer at the center. We look for individuals with strong problem solving and analytical skills, innovative thinking and intellectual curiosity who want to make an immediate impact on the credit strategy and help the business manage risk effectively.

Your Impact

Are you passionate about analyzing data, finding insights and using that to build new strategies? Were looking for a professional to join our Credit Risk Strategy team who wants to use their skills and ideas to build the credit strategy for a digital consumer lending business at Goldman Sachs.

How you will fulfil your potential

• Develop, implement and maintain credit underwriting strategy for digital lending products
• Analyze data (e.g. traditional and alternative bureau, behavioral & macroeconomic data) using statistical tools and analytical techniques to generate insights and optimize credit decisions (accept/ decline, pricing and credit line)
• Build and optimize existing customer management strategies to improve customer level profitability.
• Partner with marketing, finance and operations teams to ensure appropriate execution of credit policy requirements.
• Analyze and evaluate potential vendors/data providers for incremental value in credit management strategies in a continuous improvement environment.
• Keep up-to-date on applicable regulations and compliance requirements with possible interactions with internal and external regulators.
• Develop analytical reports and presentations for senior management, executive committees and regulatory exams.

Skills & Experience were looking for

• Bachelors (Masters preferred) degree (U.S. or equivalent) in Mathematics, Statistics, Economics, Engineering or a related field.
• 8+ years of experience in the job offered

Prior work experience must include:

• Building, improving, or analyzing risk management in a digital consumer or small business lending or similar data driven industries like insurance
• Utilizing knowledge of U.S. credit bureau data, Risk Scorecards and ability to pay quantification
• Utilizing SAS, R, Python (or similar) for statistical modeling and analyzing time-series data
• Using advanced Microsoft Office skills, specifically Excel (including creation of pivot tables, logic functions, data tables and regression analysis), PowerPoint and Word
• Visualizing complex data analyses and communicating to a wide variety of audiences, including senior leadership
• Developing comprehensive risk management reports using SQL or a similar database query language for extracting data from large datasets
• Managing several projects simultaneously and driving end-to-end project delivery
• Developing policy and procedures documentation for credit risk strategy execution
• Developing and automating quality control process to ensure intended execution of credit strategies

About the company

The Goldman Sachs Group, Inc., is an American multinational investment bank and financial services company headquartered in New York City.

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