Credit Risk Analytics Manager Senior – Collections and Recovery

This Second Line role is focused on oversight of debt collections strategies and treatments used by operational units to mitigate credit risk. Requires collaboration with collections operations and other stakeholders to implement and monitor the effectiveness of risk mitigation initiatives to improve portfolio performance and reduce risk exposure. As a dedicated Credit Risk Analytics Manager Senior, you will manage quantitative credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities and provides recommendations for Bank consumer portfolios. Provides effective challenge for risk and strategy proposals. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX and Phoenix, AZ. Relocation assistance is not available for this position. What you'll do: Applies industry leading practices and analytical rigor to manage and assess risks and opportunities across the Bank’s consumer portfolios and translates results into strategic solutions. Partners to deliver on Bank strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating information and insights to key stakeholders and leadership. Applies industry knowledge to develop advanced and nuanced quantitative analysis utilizing extensive internal and external data sources to bring structure and clarity to ambiguous and challenging problems. Challenges risk proposals in designated risk area of credit, market, operations, product, or strategic,,) through detailed research and vetting, leveraging banking product, regulatory and industry knowledge, and critical thinking skills to ensure strong portfolio performance outcomes. Designs, builds, and may assist in maintaining effective risk management frameworks that enable identification, measurement, and mitigation of risk in a complex environment. Develops and oversees comprehensive risk reporting in support of management and committee oversight of existing and emerging risks. Designs complex financial risk sensitivity analysis. Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management. May execute or implement advanced credit and/or financial modeling infrastructure.