Resolve issues and recommend solutions to moderate problems Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family Serve as an industry expert and advisor Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds Develop risk management framework and processes for funds Advise businesses and clients on transaction structures and negotiate credit terms Has the ability to operate with a limited level of direct supervision. Can exercise independence of judgement and autonomy. Acts as SME to senior stakeholders and /or other team members. Support unsecured credit strategic initiatives and analytics team in simplification and standardization of Risk Appetite Framework and Reporting to drive business forward. Perform cross portfolio analytics to support leadership and 2nd line. Support tactical and strategic Risk Analytics projects for U.S. Consumer Cards Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies. Analyze tests and performance using SAS and decision tree (CHAID/ CART) Evaluate effectiveness of current policies and strategies Must have capability to clearly develop and communicate analysis A good understanding of credit life cycle Must have hands on expertise in developing and managing segmentations Presentations to both technical and non-technical personnel are required to be made frequently as part of the job Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities. 4+ years of relevant experience Experience in financial analysis, accounting and valuation Consistently demonstrate clear and concise written and verbal communication Bachelor's degree/University degree or equivalent experience Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments. Highly proficient in Excel/pivot tables and PowerPoint. Exposure to project/process management Strong communication and presentation skills targeting a variety of audiences Flexibility in approach and thought process Strong influencing and facilitation skills.