The Credit Portfolio Analyst II is an intermediate-level position responsible for the end-to-end implementation of Credit Line Decrease, Credit Line Increase, Rules implementation and Authorization strategies in different credit risk platforms. This role ensures that all credit risk technology solutions, once deployed, perform effectively, and align with both regulatory requirements and business objectives. This person will be responsible for validating platform performance, identifying areas for optimization, and ensuring stability, reliability, and scalability of systems in production.

This role requires basic understanding of credit risk systems, customer impact, and technology operations, including pre/post-implementation assessments, operational risk management, and ongoing system monitoring to prevent disruptions and ensure compliance.

Responsibilities: Rules Build:

• Analysis, design, and implementation of all credit risk rules to support models, strategies as well as adjudication actions (ex: disclosures, letters, reason codes, account fulfillment requirements for adverse action, etc.)
• Core part of the role includes end to end implementation of new/existing Credit Line Decrease strategies along with monitoring jobs required for execution of strategies on daily basis.
• Additional responsibility as part of the role includes, creating new rules or maintaining existing credit rules for Authorizations in SAS Fraud Management System (FMS) / SAS Raptor tool and perform unit testing to validate the rules logic.
• Test individual components of the business rules and models to ensure they function as intended. Complete unit testing of all rule build activities; support testing on all defects.
• Subject matter expertise in the data for the business object model (BOM) data that is used for reporting, analytics, and decisions coming from Rules Build.
• Stay abreast of technological advancements and industry best practices to continuously improve the credit risk strategies.

Pre & Post-Implementation Validation:

• Perform the rules validation of all customer-facing credit risk platforms post-deployment, ensuring that they function as intended, align with business strategies, and meet regulatory requirements.
• Development and execution of Authorization credit rules validation frameworks, focusing on performance, rule accuracy, and platform effectiveness across all credit risk decisioning systems.
• Partner with risk management, IT, and operations teams to assess potential vulnerabilities, gaps, or deficiencies in system performance and address them promptly.

Issue Resolution:

• Implement credit auth monitoring processes that assess credit risk platforms’ operational performance, data integrity, and customer impact across various product lines.
• Ensure timely resolution of production issues, including the identification of root causes, formulation of solutions, and collaboration with technology teams to implement necessary fixes or enhancements.

Customer Impact & Experience:

• Ensure all customer-facing credit risk platforms perform reliably in production, minimizing any negative impact on the customer experience due to system errors, downtimes, or performance issues.
• Support initiatives to continuously improve platform stability, reducing risk to customers and ensuring the organization’s credit risk models and rules are consistently delivering accurate decisions.
• Engage with business stakeholders to understand customer needs and expectations, ensuring production systems evolve to meet them efficiently and effectively.

Regulatory & Compliance Monitoring:

• Ensure all pre & post-implementation validation activities meet regulatory and compliance requirements, including alignment with policies related to credit risk, data usage, and customer protection.
• Develop and maintain documentation and audit trails that demonstrate compliance with regulatory expectations for system validation and ongoing monitoring, particularly in highly regulated environments.
• Collaborate with internal and External audit, compliance and regulatory bodies to provide transparency into the rules implementation of credit risk platforms.

Risk Management & Control:

• Enhance the governance and control frameworks for credit risk platforms, with a focus on operational risk management in production environments.
• Implement ongoing risk assessments to identify and mitigate emerging risks in production systems, ensuring that customer-facing platforms maintain stability and performance standards over time.
• Collaborate with cross-functional teams to ensure that all risk controls are integrated into the credit decisioning process and that issues are escalated appropriately.

Qualifications:

• 2 years of experience in credit risk analysis/consumer banking.
• Hands on experience on Base SAS, Advance SAS, SAS FMS/SAS Raptor, Autosys, Unix shell scripting, Bitbucket tools.
• Knowledge of credit and banking products, credit analytics, risk assessment, and transaction execution
• Basic understanding of credit risk management, technology platforms, and operational risk controls, particularly in the context of post-implementation processes.
• Familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time.
• Strong analytical skills in conducting analysis using authorizations transactions data to identify anomalies and adverse trends
• Statistical knowledge – familiar with key statistic metrics/ concepts
• Clear and concise written and verbal communication skills
• Proven ability to work with little direction and in a team
• Demonstrated accountability, self-motivation and business acumen

 Education:

• Bachelor's degree/University degree or equivalent experience

Job Family Group:

Risk Management

Job Family:

Portfolio Credit Risk Management:

Time Type:

Full time

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.
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