PenFed Credit Union · 20 hours ago
Sr Analyst Consumer Lending Policy & Risk Analytics
McLean, VA
Full-time
Hybrid
Senior Level
5+ years expPenFed Credit Union is hiring a Senior Analyst in Consumer Lending Policy & Risk Analytics. The role involves leading credit analysis and driving sustainable growth through data-driven decision-making in consumer credit policy, directly influencing the credit product experience for millions of members.
BankingCreditFinanceFinancial ServicesLending
Responsibilities
Lead analysis and implementation of credit policy optimization and risk mitigation strategies for consumer credit products, like credit cards, personal loans, and auto loans, to support resilient growth under PenFed's strategic objectives
Drive monitoring and deep dive analysis to support risk mitigation and portfolio health for consumer credit products, identify emerging trends from economic and regulatory changes and provide insights to leadership
Brainstorm on policy change and provide ongoing analytics to support credit policy and product innovation to adapt to the ever-changing macro-environment
Collaborate with modeling teams to build and validate risk and/or NPV valuation models using both internal and external data sources, implement models in policy optimization, and/or monitor model performance on an ongoing basis
Contribute to team goals and support the growth of analysts through collaboration, mentorship, and a commitment to continuous improvement
Partner with key stakeholders in various groups to spearhead initiatives, execute credit strategies, and enable resilient and profitable growth
Gain familiarity with multiple data sources to gain insight into industry trends and provide supplements in credit decision making process
Enhance portfolio reporting and documentation, improve internal efficiencies, contribute to better data quality and data structures, and meet changing management, audit, and regulatory requirements
Explore creative ways to incorporate AI into credit analysis and BAU process optimization
Qualification
Required
Equivalent combination of education and experience is considered
Bachelor's degree in business, finance, economics, computer science, engineering, math, statistics, or other quantitative discipline required, MBA or master's degree preferred
Minimum of two (2) years with master's degree or five (5) years' experience in credit risk policy & analysis, credit risk management or modeling in the financial services industry
Strong skills in various data analysis and visualization tools including SQL, Excel, and PowerPoint are required
Excellent written, verbal communication and presentation skills
Curiosity, attention to details, strong critical thinking and problem-solving skills
Ability to work effectively in ambiguous situations, ability to prioritize among multiple projects
Self-motivated and strong interpersonal skills to actively lead and implement ideas in a cross-functional team environment
Preferred
Experience with Tableau preferred
Experience with Credit Card, Direct Auto, and/or Personal Loan lending policy is strongly preferred
Proficiency with the statistical tools R and Python is strongly preferred
Benefits
Comprehensive health, dental, and vision plans
Paid time off
Paid parental leave
Care support
Fitness center access
401(k) match
Employee loan discounts
Fully paid life and disability coverage
Education assistance
Community involvement
Volunteer opportunities
Company
PenFed Credit Union
PenFed Credit Union offers banking services, loans, mortgages, and credit cards to individuals and small businesses.
1001-5000 employees
H1B Sponsorship
PenFed Credit Union has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (19)
2024 (20)
2023 (10)
2022 (21)
2021 (12)
2020 (11)
Funding
Current Stage
Late StageTotal Funding
$845.89M2025-09-22Debt Financing· $398.49M
2024-08-29Debt Financing· $447.4M
Leadership Team
Sarah Heintzman
Executive Vice President, CFO
Andrea McCarren
Senior Vice President & Chief Content Officer
Recent News
The Virginian-Pilot
2025-11-05
Company data provided by crunchbase