Lead Analyst Credit Risk
Axcess Financial - Cincinnati, OH

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General Function: The Lead Analyst of Credit Risk will support Axcess Financial’s global, retail, credit businesses. The Lead Analyst will provide leadership in innovating, building, and implementing credit risk solutions that increase the value of underwriting for lending operations. The Lead Analyst will lead/supervise projects including, but not limited to, the following: probability of default models, exposure at default models, loss given default models, loss severity models, price elasticity models, and pricing optimization algorithms. The Lead Analyst will use champion/challenger and design of experiments (DOE) methods to deliver empirically based solutions. The Lead Analyst will provide leadership in project design and project management from inception through post implementation monitoring. The Lead Analyst will supervise and mentor less experienced analysts and help to develop a highly productive team. Delivered solutions will integrate effectively into existing systems and processes while providing strong and consistent performance.

Essential Duties & Responsibilities:

Credit Risk:
  • Lead predictive modeling and analytics projects from inception through post-implementation monitoring. Projects to include:
    • Probability of default models
    • Exposure at default models
    • Loss given default models
    • Loss severity models
    • Price elasticity models
    • Pricing optimization algorithms
  • Generate and test ideas to use new modeling and analytical methodologies to improve accuracy and cost to implement
  • Evaluate and help implement third party modeling/analytics to increase value
  • Research and evaluate internal/external data sources to increase value of credit risk related predictive modeling and analytics
Collaboration / Internal Consultancy:
  • Own, build, and continually improve relationships with internal customers
  • Convincingly communicate with internal customers and senior management to explain the benefits, limits, and requirements for proposed solutions
  • Proactively identify and propose ways to use decision sciences to drive value for internal customers
  • Collaborate with other business functions to develop and implement analytical and modeling solutions
  • Contribute to decisions regarding development/revision of data and decisioning architecture
Policy Development / Thought Leadership:

Collaborate with other internal organizations in developing strategic policy standards and risk‐based lending principals
  • Collaborate with multiple user and operations groups to develop and implement the most effective policies for the US and Global underwriting programs
  • Contribute to senior‐level management discussions and decision making sessions when necessary
  • Provide intellectual leadership and analytical support to Sr. Management in efforts to develop new products and to drive continual improvement of strategies supporting pricing and underwriting
Team Leadership
  • Supervise the work of less experienced analytic staff in support of the functions listed above

Supervisory Responsibilities: May lead the work of less experienced staff: Statis tical Analysts

Skills Description

Minimum Knowledge, Skills and Abilities Required:
• 8+ years experience using analytics to drive improvement of underwriting activities
• 5+ years experience (post graduation of M.S./Ph.D.) building predictive models using linear regression, logistic regression, and decision tree methodologies
• 5+ years experience with SAS and SQL programming or expert level certification
• Masters degree in quantitative discipline (e.g., Statistics, Operations Research, Economics, Engineering)
• Strong communication skills to present project plans and results to senior management
• Strong business intuition to identify opportunities to apply modeling/analytics to drive value for internal customers
• Strong project management skills with experience managing multiple simultaneous projects
• Living in, or willing to relocate to, Cincinnati, Ohio
Knowledge, Skills and Abilities Preferred:
• Experience in installment, unsecured, or alternative lending
• Experience in consumer financial services
• Ph.D. degree in quantitative discipline
• Additional MBA (MBA in addition to M.S./Ph.D. in quantitative discipline)
• Fluent in Spanish language
• Superior communication skills and the ability to collaborate and build consensus among varied business leaders
• Experienced in working within fast-paced/management consulting role analyzing a problem, adding value, and moving on
• International business experience; worked overseas or in support of global operations

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