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Sr. Credit Analyst

Company: Conn's HomePlus
Location: Conroe
Posted on: May 11, 2022

Job Description:

Job Description Overview: The Senior Credit Analyst will use in-depth knowledge in quantitative credit risk analytics and an understanding of retail business to develop strategies for new originations, delinquency and loss (charge off). The responsibilities include researching, designing, developing, and implementing solutions using statistical methodologies as well as business rules. This position will assist in identifying and managing credit risk for the internal consumer finance program at Conn---s. This role will support executive leadership with in-depth analysis and reporting on various projects, related to data analysis and feasibility studies to support various strategic initiatives. This position will model institutional problems, discover insights and identify opportunities using statistical, algorithmic and visualization techniques. Key Duties & Responsibilities: The Senior Analyst, Credit---s responsibilities include, but are not limited to: Business Modeling & Forecasting Perform analysis to identify trends and relationships in data. Understand and maintain data and analytics to solve various business problems. Apply time series analysis, survival analysis and other modeling techniques to develop credit-loss forecasting models. Identify and explore new credit risk forecasting methodologies. Research industry trends and macroeconomic indicators to incorporate into credit-loss forecast process to identify risks and improve forecast accuracy. Score portfolio on a periodic basis to identify potential charge off accounts and help in devising quick and effective actions to reduce loss. Identify risky customers based on previous credit performance and collection strategy responses. Document developed models according to model risk policies and procedures. Communicate statistical analyses and forecast results, working with cross functional areas, to ensure successful interpretation. Reporting & Automation Follow organization standards to maintain quality service. Collect, analyze, and summarize data to prepare reports and make recommendations. Research and use best practices to achieve effective project implementation and outcomes. Effectively communicate with the senior management through detailed presentations and visualizations. Help the organization drive revenue and reduce loss rates through development of reports that ensure continuous monitoring of customer portfolio and collection trends. Responsible for automation of reports and maintaining files on all aspects and activities that enhance customer loyalty, brand recognition, sales volume and revenue. Partner and collaborate with Manager to ensure clear identification of goals and target audience. Strong attention to detail to ensure data is extracted accurately and within context ensuring trends that align with the goals. Partner with peers to design up front statistical analytic plans ensuring ability to quantify gains and Test/Learn new credit strategies. Responsible for assessing credit risk, reporting on credit metrics, conducting tests (hypothesis testing, significant tests using alpha and p values) and feasibility study of new strategies. Responsible for identifying and utilizing best practices of data analysis to ensure accurate results. Required Experience Degree in relevant fields, including Statistics, Computer Science, Data Science, Analytics, and Applied Mathematics. Strong knowledge and experience in financial/retail industry. Knowledge of credit, credit policy and financial statement analysis. Strong mathematical, statistical, analytical and computational skills. Experience with complex statistical and advanced analytical techniques such as: logistic, linear, panel or non-linear regression, survival analysis, clustering, optimization, time-series forecasting and Experimental test design. Extensive background and in-depth knowledge in data mining, data analysis and data visualization Proven potential to code using scripting language such as Python and R. Strong knowledge and experience with reporting packages (Tableau etc.) and Advanced proficiency in Excel, with strong presentation skills. Preferred Experience Five or more years--- experience creating and maintaining management reporting in the consumer finance industry. Prior experience working with credit bureaus and other industry vendors. Skills & Abilities Ability to query complex data warehouses, and aggregate data for strategic reporting. 5 years of hands-on experience using SQL Server and SAS to extract, clean, manipulate, transfer data, create variables and explore patterns and relationships. Ability to communicate with different audiences (other technical staff, senior management and regulators) both verbally and in writing. Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy. Ability to think at tactical and strategic levels with quantitative expertise to form a deep understanding of what drives performance and why. Demonstrated ability in managing multiple projects simultaneously through multitasking, prioritization, and negotiation skills. Strong organizational skills and high level of personal accountability. Excellent communicator and creative thinker, with an ability to use data to inform all decisions Perpetual interest in learning something new, a passion for problem-solving, comfort with ambiguity, and creativity. Conn---s History Conn---s established in 1890 is a specialty retailer with approximately 4,500 employees and currently operating 130 retail locations in Alabama, Arizona, Colorado, Georgia, Louisiana, Mississippi, Nevada, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia. The Company---s primary product categories include: Furniture and mattress, including furniture and related accessories for the living room, dining room and bedroom, as well as both traditional and specialty mattresses; Home appliances, including refrigerators, freezers, washers, dryers, dishwashers and ranges; Consumer electronics, including LED, OLED, QLED, 4K Ultra HD, and smart televisions, gaming products and home theater and portable audio equipment; and Home office, including computers, printers and accessories. Additionally, Conn---s offers a variety of products on a seasonal basis. Unlike many of its competitors, Conn---s provides flexible in-house credit options for its customers in addition to third-party financing programs and third-party lease-to-own payment plans. Our mission is to make it possible for everyone to purchase quality, long lasting products for their home. Conn---s HomePlus is an equal opportunity employer.

Keywords: Conn's HomePlus, Conroe , Sr. Credit Analyst, Professions , Conroe, Texas

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