Senior Manager - Decision Analytics

US-MI-Detroit
Requisition ID
2017-28210
Employee Type
Full Time-Regular
Category
Risk Management / Insurance

Responsibilities

  • Manage the Credit Scoring Framework, inventory of existing models, and constantly improving them by leveraging current and alternative sources of information.
  • Develop Statistical Credit scoring models (both internally developed and also through 3rd party vendor management) for several markets and products within GMF International Operations (Consumer Auto Lending).
  • Provide insight and recommendations for the creation of expert based models to score and support the launch of new products, including Retail, Leasing and SME.
  • Establish best practices for Scoring Development and Monitoring, ensuring adequate standards and anticipating actions that improve our business from an analytical standpoint.
  • Support development and recommendation of acquisition and auto-decision strategies to achieve strategic objectives of Business growth and profitability.
  • Establish acquisition strategies for new products based on analytical foundation.
  • Leverage business internal profitability and pricing model to thoroughly understand Risk / reward tradeoff for proposed strategy design / changes.
  • Develop, maintain and disclose risk monitoring frameworks.
  • Work with local risk teams, Finance, Pricing to undertake analysis and ensure priorities are aligned to strategic goals
  • Ensure all strategies are in line with Responsible Lending standards and GMF’s policy on Treating Customers Fairly.
  • Ensure ongoing adherence to all relevant compliance regulations that may govern GMF IO business and complete all regulatory knowledge training where applicable in a timely fashion.

Qualifications

  • 8+ years of experience in Consumer Credit Risk Management.
  • 8+ years of experience in statistical modeling, specifically credit scoring modeling, development of data driven strategies for consumer lending and portfolio maintenance.
  • Experience in banking / financial services: Business oriented leader with strong analytical background: Consumer lending strategy, Credit policy, portfolio management, collections strategies. Background in loss forecasting, consumer underwriting policy management, reporting is a plus.
  • Previous experience successfully managing analytical teams.
  • Prior experience in development and implementation of credit risk models or strategies.
  • Knowledge on consumer credit acquisitions and collections models, strategy and development.
  • Bachelor and Master Degrees in Quantitative or finance related (Engineering, Finance, Math, Statistics, Economics).

Skills and Knowledge

 

  • Highly effective written and verbal communication with technical and non-technical audiences (including Senior Management). Ability to synthetize and communicate complex analytics in concise and effective business messages.
  • Capacity to positively influence internal / external customers, developed negotiation skills.
  • Self-driven / self-motivated attitude on the job. High sense of responsibility, autonomy. The candidate is expected to achieve the objectives without direct supervision.
  • Experience and proficiency using SAS, R or equivalent data management-statistical tool (intermediate or advanced), intermediate MS-Excel skills. Functional use of MS suite products.
  • Experience in use of analytical tools for segmentation (CHAID and others).
  • Written and verbal fluency in English is a must - additional language proficiency is a plus.
  • Integrity, professionalism, focus on customer, focus on results and timely delivery, planning and organization, managing ambiguity and effective communication are key

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