Credit Card Risk and Analytics Manager

First Horizon Bank • New Orleans, LA • 3d ago

Description

Location : On site at location listed in job posting.

Summary

The Credit Card Risk and Analytics Manager will lead, plan, and direct the credit risk modeling and analytics function including, credit risk strategy development, implementation and maintenance of the scorecards for the Credit Card Line of Business. The role will be responsible for optimizing underwriting strategies for all Consumer Credit Card asset @types. Plan and direct credit risk modeling efforts to include design and build of custom scorecards across the lending life cycle and optimization of credit line allocations/assignments.

Responsibilities

Lead development and ongoing management of credit risk models for underwriting, scoring, account management, models to optimize credit card lending decisions

Oversee the development, implementation, and use of credit scoring models and account management strategies

Execute development of credit line assignment models to minimize risk exposure while maximizing net income, and profitability models that allow for optimization of the various trade-offs to achieve the business goals.

Maintain thorough knowledge of credit bureau data, tools and initiatives and how they may be leveraged to improve credit decisions

Responsible for the First Line of Defense for credit card risk

Develop and implement new/updated policies, procedures, goals and priorities as necessitated by demands, changing conditions, and/or management request

Manage and lead the simulation and optimization of credit policy decisions utilizing various profit/loss scenarios to ascertain current/future financial impact; make appropriate recommendations

Maintain understanding of business direction, environment and strategies and work closely with stakeholders to ensure analytic output addresses business needs

Sets, monitors and maintains Risk KPI/KRIs and contributes to ongoing Risk Reporting and Risk Committee meetings as needed

Performs all other duties as assigned

Requirements

Bachelor (4-year college) degree and 5+ years of experience

Knowledge of Credit Scoring and Credit Card Scorecard models

Knowledge of Credit Risk management, asset/liability management and/or mathematic modeling

Microsoft Office suite and experience in the use of statistical modeling software

High levels of initiative, sound judgment, and demonstrated tact in communication and conflict resolution.

Ability to work independently and credibly across cross-functional teams, effectively engaging with associates at all levels and external partners.

About Us

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.

Benefit Highlights

Medical with wellness incentives, dental, and vision

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.

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