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Bread · 8 hours ago

Credit Management Lead

Elkhart County, IN

Full-time

Hybrid

Senior Level, Lead/Staff

$113K/yr - $222K/yr

8+ years exp

Bread Financial is a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions. The Lead Credit Management Analyst will manage credit availability, conduct trend analysis, develop underwriting standards, and mentor junior analysts to facilitate profitable growth within the Credit Management function.

Consumer LendingFinancial ServicesFinTech

Growth Opportunities

Responsibilities

Conduct comprehensive trend analysis to identify patterns and shifts in market behavior. This involves closely monitoring portfolio performance, identifying areas for improvement, and implementing data-driven solutions. Ensure portfolios remain robust and profitable, adapting to changing market conditions and customer needs. - (40%)

Develop and refine underwriting standards to ensure they align with the company’s risk appetite and regulatory requirements. Create credit limit strategies that balance risk and reward. Utilizing advanced data tools, analyze key risk metrics to identify potential issues and opportunities. Your insights will drive decision-making processes, helping to maintain a healthy credit portfolio. - (30%)

Lead projects that address specific business needs is a crucial part of this role. Coordinate cross-functional teams, set project goals, and ensure timely delivery of results. This involves problem-solving, resource management, and effective communication to keep all stakeholders aligned. Your projects will improve business processes, enhance efficiency, and support strategic objectives. - (10%)

As a mentor to junior analysts, you will share your expertise and best practices to help them grow professionally. This includes providing guidance on complex analyses, offering feedback on their work, and fostering a collaborative team environment. Your leadership will contribute to building a strong, knowledgeable team capable of tackling challenging tasks and driving the company’s success. - (10%)

You will work closely with various business units to understand their needs and provide tailored solutions. Effective communication is essential, as you will present your findings and recommendations to senior management and other stakeholders. Your ability to convey complex information clearly and persuasively will be critical in driving strategic initiatives forward. - (10%)

Qualification

Credit Risk ManagementData AnalysisCredit UnderwritingConsumer LendingSAS/SQLPythonRAd Hoc ReportingAd Hoc ResearchData Visualization ToolsDecision Trees