Senior Credit Oversight Manager
The Senior Credit Oversight Manager will report to the Head of Credit Risk.
As the Senior Credit Oversight Manager, you will:
Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company’s risk appetite.
Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
Independently validate models to ensure they are conceptually sound and perform as intended.
Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
Present results with insights on trends and drivers.
Communicate forecast results, insights, and recommendations to leadership and business partners.
Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
About You:
7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
5+ years of experience in SQL and/or Python programming for data analysis and model development
Strong business acumen in lending products and sophisticated risk data analysis
In-depth understanding of model risk governance frameworks
A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
Excellent communication and presentation skills
Knowledge of applicable laws and regulations governing the lending industry
Experience in Business Intelligence / Reporting tools such as Looker or Tableau
Even Better:
Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
Expertise in statistical models
Expertise in Excel and Google Slides
Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
Ability to prioritize and multitask on various projects
Ability to methodically execute complex analytical processes accurately and efficiently
Intellectual curiosity, critical thinking, and problem-solving skills
Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
Strong ownership and ability to collaborate well with business partners
Where:
This role will be based in the United States.
#LI-KB1
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Senior Credit Oversight Manager
The Senior Credit Oversight Manager will report to the Head of Credit Risk.
As the Senior Credit Oversight Manager, you will:
Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company’s risk appetite.
Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
Independently validate models to ensure they are conceptually sound and perform as intended.
Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
Present results with insights on trends and drivers.
Communicate forecast results, insights, and recommendations to leadership and business partners.
Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
About You:
7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
5+ years of experience in SQL and/or Python programming for data analysis and model development
Strong business acumen in lending products and sophisticated risk data analysis
In-depth understanding of model risk governance frameworks
A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
Excellent communication and presentation skills
Knowledge of applicable laws and regulations governing the lending industry
Experience in Business Intelligence / Reporting tools such as Looker or Tableau
Even Better:
Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
Expertise in statistical models
Expertise in Excel and Google Slides
Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
Ability to prioritize and multitask on various projects
Ability to methodically execute complex analytical processes accurately and efficiently
Intellectual curiosity, critical thinking, and problem-solving skills
Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
Strong ownership and ability to collaborate well with business partners
Where:
This role will be based in the United States.
#LI-KB1