Assistant Vice President, Credit Risk, Decision Science

Role Overview

• To lead, plan, and direct credit risk modeling and analytics function including, credit risk strategy development, and scorecards for the Lending Department.
• Responsible for optimizing underwriting strategies for all Lending asset types.
• Plan and direct credit risk modeling efforts including design and build of custom scorecards across the lending life cycle and optimization of credit line allocations/assignments.
• Serve as subject matter expert regarding business functions, systems, policies and procedures.
• Support executive management in developing and executing strategic plans.
• May act as VP in the incumbent’s absence.

Requirements

• Advanced knowledge of applicable federal and state, laws, rules and regulations that govern the functions of Consumer/Credit Card Lending
• Extensive progressively responsible experience leading and managing an analytics operation in a large financial institution, including operational and regulatory risks and controls
• Advanced knowledge of any of the following: credit risk management, asset/liability management, cost accounting, statistics, finance, and/or mathematic modeling
• Advanced knowledge of banking/financial industry trends, products and services
• Extensive experience in the use of statistical modeling software (e.g., R, Python, SAS or SPSS, etc.), and Credit Card Decisioning software (e.g., TSYS, etc.)
• Expert knowledge of Credit Scoring and Scorecard models
• Expert organizational, planning and time management skills
• Expert research, data mining/querying, analysis, and reporting skills, including proficiency in sophisticated statistical methods and modeling, forecasting, and cost/benefit/risk analysis
• Extensive experience demonstrating thought-leadership, initiative-taking, decision-making and creativity solving business problems
• Extensive experience managing multiple priorities independently and/or in a team environment to achieve goals
• Expert skill in results-oriented leadership in a challenging environment
• Expert skill in project management to include establishing and leading project teams; managing timelines/deadlines/resources; ensuring successful project implementation
• Extensive experience in working with all levels of staff, management, stakeholders, vendors
• Expert skill presenting findings, conclusions, alternatives and information clearly and concisely
• Extensive experience supervising and leading professional employees
• Expert skill in producing desired results and achieving goals and objectives
• Master's degree in Finance, Business Administration, or related field, or the equivalent combination of education, training, and experience

Desired Qualifications

• PhD in Finance, Business Administration, or related field
• CFA charter holder
• Advanced knowledge of Navy Federal’s functions, philosophy, operations and organizational objectives
• Limited travel may be required for training or project participation.

Tech Stack

• Python

Benefits

• Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.
• Health insurance
• Retirement plans
• Paid time off
• Flexible working hours
• Professional development opportunities