NY ? Chase ? Credit Risk Director - Wake On Wall Street (WOWS)

Credit Risk Director- Direct Auto Finance, VP
Chase ? US-NY-Garden City (Greater New York City Area)

https://jpmchase.taleo.net/careersection/2/jobdetail.ftl?job=120074451&src=JB-12164

The Credit Risk Manager will be responsible for the Credit Risk Management function on the Direct Auto Finance portfolios. The candidate will play a critically important leadership role in the management of credit policies and portfolio loss trends with the objective of profitable growth. The candidate will work across business areas such as Finance, Legal and IT to offer strategic direction on credit risk. The role needs to bring a good balance between business acumen and strong analytical skills to manage portfolio risk dynamics. The role will manage a team of analysts as they carry out the function.

Responsibilities
Partner with business heads and senior management on strategic initiatives aimed at overall growth and profitability of the business.
Work on building Direct to Consumer programs and strategies, including Preapprovals, Invitation to Apply programs, among others.
Enable credit risk strategies that ties in Chase customer data in the decision processes.
Develop analytics and champion/challenger capabilities around various ?direct to consumer? strategies.
To develop and maintain credit policies for underwriting auto loans and leases.
Monitor delinquencies and loss trends to ensure stable and consistent portfolio performance.
Identify key risk drivers. Analytically segment portfolio along these factors. Assess concentrations, exposures and exception levels.
Actively participate in Credit Committee/Risk Committee meetings. Advise senior management on trends, issues and growth opportunities.
Work with Finance to track credit losses to budget and offer guidance on loss forecasting. Work with Pricing team to develop subvention programs to maximize financial returns.
Provide leadership to a team of analysts engaged in portfolio analytics. Conduct deep dives; analyze credit actions, scope and size impact, and make recommendations based on sound data analytics.
Leverage Decision Science Team to build new scorecards; validate existing scoring models; maximize automated decisioning to drive efficiency gains.
Engage regional credit risk executives and their staff to administer policies understand policy challenges, and stay abreast of dealer behavior.
Work with IT and Legal/Compliance partners to ensure that policy changes get implemented in a smooth and timely fashion.
Support efforts to build a new origination platform. Develop innovative credit strategies to exploit the capabilities of the new platform.

Qualifications
8+ Years of experience in retail credit risk management. Auto Finance experience would be a plus
Experience in ?Direct to Consumer? lending required.
4+ years experience in working on direct mail campaigns, building targeting strategies using data, modeling, and analytics.
Understanding of Direct marketing channels, strategies deployed, and performance traits would be preferred.
Bachelor degree required, with specialization in one of the analytical sciences such as math, statistics, finance or engineering. MBA or Masters degree in one of the analytical sciences fields preferred.
Proven ability in the use of scoring models and development of credit policies.
Strong communication and presentation skills.
Ability to work under pressure while handling multiple projects.
Prior experience of managing a team of analysts

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Source: http://wakeonwallst.wordpress.com/2013/01/03/ny-chase-credit-risk-director-direct-auto-finance-vp/

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