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Credit Card - Risk Analytics, SR Manager

Our Company

At BBVA, we are leading the transformation of global banking with the aim of bringing the opportunities of this new era within everyone’s reach. We are a global financial institution present in 30 countries with over 75 million customers. We are a bank with over 126,000 employees across the world and every one of those employees is leading and designing his/her professional career with the help of tools provided by the organisation to make that happen.

Corporate responsibility is an intrinsic part of our business model, promoting inclusion and financial education while supporting research and culture. Being part of BBVA means developing your career in one of the most innovative companies in finance.

We started out with the spirit of helping others make the best financial decisions. That spirit remains with us today and encourages us to keep moving forward, prioritising innovation and digital transformation so that we can bring the opportunities of this new era within everyone’s reach.

Our values define our identity; they are what drives us to make our goals a reality and they guide all of our actions and the decisions we make.

  • - The customer comes first.
  • - We think big.
  • - We are one team.

Job description


The Retail Models & Analytics group is part of the Risk Innovation, Data and Analytics organization.  It is responsible for the development and implementation of risk scorecards, fraud models and credit risk strategies across the customer lifecycle for all Retail Credit portfolios. 
This individual will responsible for developing and optimizing analytically driven credit risk strategies on Retail Credit Card and Consumer Direct portfolios, with a focus on the Digital Bank.  This includes developing risk strategies for new risk scorecards or optimizing existing strategies.  The individual will also integrate customer level risk scores into reactive decision points and into account management strategies.  And also to undertake complex analytics to support key strategic initiatives for growth, innovation or risk mitigation.

Responsibilities



    Develop and optimize credit risk strategies for Credit Cards and Consumer Direct portfolios using analytical techniques and statistical analysis to meet pre-defined goals
    Build credit risk strategies for originations, account management and collections
    Meet strategic business targets for auto-decisioning
    Develop risk based pricing models and strategies to meet RAROC targets
    Integrate new data sources and solutions into credit risk strategies
    Responsible for integrating customer level risk scores into reactive and account management decisoning
    Developing a program to track expected versus actual behavioral and performance measures for appropriate portfolios, populations, and segmentation end-nodes
    Enhance the analytic framework for credit decisioning and pricing
    New quantitatively driven challenger strategies and pilot programs across the customer lifecycle
    Develop and present analysis results and recommendations to senior leaders
    Lead a small team of analytic / statistician resources
    Undertake ad-hoc data analytics as required
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Education/Experience

Master''s Degree in a quantitative discipline with a minimum of ten (10) years of experience in a credit risk analytics or portfolio management role and three (3) years of experience developing data driven credit risk strategies for a credit card or other unsecured portfolio.
Working experience with SAS, including E-Miner and SQL
Preferred experience working for a top 10 national U.S. credit card issuer
Work experience may substitute for education requirement.

Lic/Cert/Reg

Required: None required
Preferred: None preferred




At BBVA, we believe that having a team made up of people with different ways of viewing the world and of taking on each challenge makes us a better bank. That is why we actively support diversity and inclusion, and we invite you to apply, regardless of your race, gender, age, sexual orientation, country of origin, experience, studies, etc.
We nurture a collaborative and inclusive work environment that enables us to show and develop the best we each have to offer.

Pay Transparency Policy Statement

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information (41 C.F.R. 60-1.35 (c)).

Individuals with Disabilities

BBVA Compass, BBVA Securities Inc., and BBVA S.A. New York Branch invite all interested and qualified applicants to apply for employment opportunities. If you are a U.S.-based job seeker with a disability who is unable to use our online tools to search and apply for jobs, please contact us by emailing: disabilityaccessjobs.us@bbva.com or by calling toll-free (in the U.S.) 1-844-664-9275. Please indicate the specific type of assistance needed*.
*The disability access telephone line and email address are reserved solely for job seekers with disabilities requesting accessibility assistance or an accommodation. Please do not call about the status of your job application if you do not require accessibility assistance or an accommodation. Messages left for other purposes, such as following up on an application or non-disability related or technical issues, will not receive a response.

EEO Statement

BBVA Compass, BBVA Securities Inc., and BBVA S.A. New York Branch have a firm and unwavering policy to provide equal employment opportunity without regard to age, citizenship, color, disability, ethnic origin, gender, gender identity and expression, marital status, nationality, national origin, race, religion, sexual orientation, genetic predisposition, protected veteran status, or any other status or classification protected by federal, state or local law. This policy includes all job groups, classifications and organizational units. With regard to employment, this policy extends to applicants and covers our recruiting, hiring, promotion, transfer, demotion, discipline, termination, benefits, compensation and training practices as well as social and recreational activities. View the "EEO is the Law" & "View the EEO is the Law Supplement Poster" poster. BBVA Compass, BBVA Securities, Inc., and BBVA NY are equal opportunity and affirmative action employer.