Loss Forecasting Manager

Job Summary

Required Qualifications

• •Significant experience in US credit card industry
• •Experience in Loss forecasting or Credit Policy strategy space
• •Good communication skills
• •Ability to clearly articulate forecasts, reasons for forecasts and how they tie to recent trends and macro-economic conditions
• •Ability to deliver clear, structured, and concise summaries of complex situations for senior stakeholders
• •Consulting-style articulation
• •Strong emphasis on credit policy integration
• •Ability to synthesize key insights into crisp narratives and executive-ready presentations
• •Ability to translate credit policy decisions into portfolio forecasts
• •Conversant with maturation, impact of policy change on loss trajectory
• •Ability to project and track actuals, explaining variances against the forecast including underlying drivers of change
• •Ability to work with a range of models, including vintage-driven, stochastic and challenger orthogonal models
• •Strong first-line risk experience
• •Focus on policy and portfolio analytics
• •Ability to assess and articulate portfolio impacts arising from changes in first-line drivers
• •Impact of tightening or expanding Credit Line Management programs
• •Sensitivity to student loan trends
• •Changes in risk appetite framework due to debt sale dynamics
• •Ability to connect policy actions to portfolio outcomes
• •Forecasting-adjacent work aligned with team projects
• •Strong proficiency in vintage models
• •Strong proficiency in roll rate models
• •Strong proficiency in stochastic time series models
• •US credit cards experience in credit risk
• •Credit cards policy experience
• •Acquisition credit policy
• •ECM
• •Hands-on coding in Python & SQL

Desired Qualifications

• •Wilmington, DE preferred
• •NYC alternate
• •Hybrid work mode (At least 4 days/week in office)
• •Credit cards policy experience (Acquisition credit policy preferred, ECM acceptable)