Job Description

Discover. A brighter future.

With Discover, youll have the chance to make a difference at one of the worlds leading digital banking and payments companies. From Day 1, youll do meaningful work youre passionate about, with the support and resources you need for success. We value what makes each employee unique and provide a collaborative, team-based culture that gives everyone an opportunity to shine. Be the reason millions of people find a brighter financial future, while building the future you want, here at Discover.

Job Description



At Discover, be part of a culture where diversity, teamwork and collaboration reign. Join a company that is just as employee-focused as it is on its customers and is consistently awarded for both. Were all about people, and our employees are why Discover is a great place to work. Be the reason we help millions of consumers build a brighter financial future and achieve yours along the way with a rewarding career.

Responsible for developing, applying, and enhancing credit risk oversight processes in support of, and under the oversight of, the overall Corporate Risk Management framework and system. Responsibilities includes, but not limited to, evaluating and monitoring of consumer credit risk appetite, tolerance and threshold, defining the process for monitoring the performance of the consumer credit portfolio, and performing reviews of credit risk strategies while using trade-offs among key business metrics such as credit losses, receivables, and profit. Identifies, designs, and implements business analyses in support of business strategies.

Responsibilities

* Reviews and effectively challenges the ALL assumptions and calculations.

* Designs and implements comprehensive statistical analysis as part of the credit review process.

* Assesses and effectively challenges Risk Appetite & KRI tolerances and thresholds.

* Establishes effective controls in the credit oversight process.

* Applies and enhances credit risk oversight policies, processes, and procedures.

* Establishes and maintains effective portfolio tracking to monitor changes in the portfolio credit performance.

Minimum Qualifications

At a minimum, heres what we need from you:

* Bachelor's Degree in Statistics, Economics, Engineering, Business, or other quantitative discipline

* 4+ years of experience as Credit Analyst, Data Analyst, or related field

* In lieu of a degree, 8+ years of experience as Credit Analyst, Data Analyst, or related field.

* Effective communication and critical thinking skills.

* Excellent problem solving skills and the ability to handle ambiguity.

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What are you waiting for? Apply today!

The same way we treat our employees is how we treat all applicants with respect. Discover Financial Services is an equal opportunity employer (EEO is the law). We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.

US Benefits

Our comprehensive benefits package starts day one and features insurance, financial planning support and excellent perks designed to help you reach your goals and live a rich, healthy life. These include:

* Paid time off (at minimum, 20 personal days + 7 holidays per year)
* The Discover College Commitment covers 100% of the required costs for eligible* employees to earn select business and technology bachelors degrees from three of the countrys top universities for working adults
* 401K with company match and fixed contribution
* Employee Stock Purchase Plan
* Full service cafeteria featuring Starbucks and subsidized Mindful options
* Access to fitness center
* Opportunities to volunteer in the community
* Development groups and training
* On-site Health Clinics
* Onsite Employee Assistance Program Counselors
* Discover Care@Work Family Assistance Program (Discounted childcare at participating centers, free care.com membership, and subsidized Backup Care Services)
* Perks at Work (access discounts from over 30,000 merchants, earning WOWPoints while you shop)

*For eligibility requirements and program details, please refer to MyDiscoverBenefits.com

UK Benefits

* Competitive Salary
* Competitive Pension Scheme
* Annual Incentive Scheme
* Up to 25 days annual leave per calendar year
* Private Health Care is a taxable benefits
* Annual health assessments
* Flexi Fridays
* Eye Care Vouchers
* Perks @ Work
* Ride to Work (Cycle Scheme)
* Season Ticket loan
* You Care We Share (Charity program that has matching contributions)
* Volunteering Hours
* Study Leave (5 days)
* EAP- Employee Assistance Program
* Dental plan (Taxable benefit)