Job Description

It's fun to work in a company where people truly BELIEVE in what they're doing!

Job Summary





The Credit Analytics team supports Credit Management through advanced analytics and Research & Development (R&D) efforts that deliver value-adding predictive models, insights and data to underwriting, fraud, account management, and collections strategies.

The Sr. Analyst, Credit Analytics analyzes the effectiveness of models and data from external vendors and quantifies the overall financial impact to the business. The Sr. Analyst works with Credit Management to understand the philosophy and strategies utilized in underwriting, fraud, account management, and collections, and applies this knowledge to the analytical projects. The Sr. Analyst delivers insights and actionable solutions that increase profitability and encompass the different product types and channels. The Sr. Analyst ensures accurate and timely implementation of solutions and communicating results.

Job Description

Essential Job Functions

Analytics independently completes end to end analyses on external models and/or data attributes. Extracts and prepares the appropriate data needed in order to complete an effectiveness analysis. Evaluates the predictive power of the models using statistical metrics such as KS and Gini. Analyzes the effectiveness of the model/attributes compared to benchmark models. Sizes the impact of using the models/attributes in production as part of the current strategy. Presents results and business case to stakeholders. Provides support for implementation of solutions and monitoring impact of solutions that are implemented. Demonstrates attention to detail and accuracy by analyzing data and drawing conclusions based upon the data.

Collaboration interacts with external vendors as needed to exchange and understand the data needed for the analyses. Regularly collaborates with Credit Management to understand current strategies, philosophy and goals and utilizes this knowledge to assist in designing and planning analyses. Translates analytical results into useful recommendations for review with Manager. Demonstrates outstanding verbal and written communication skills when working with internal and external partners and when presenting results to various audiences. Demonstrates foundational knowledge of credit card operations, banking, financial, loyalty rewards, retail, and credit card regulations while working with the business. Meets critical deadlines established by manager by prioritizing multiple activities and complex projects simultaneously.

Reports to: Manager or Sr. Manager

Working Conditions/ Physical Requirements: Normal office environment, some travel may be required.

Direct Reports: None

Minimum Qualifications:

Bachelors Degree in Mathematics, Finance, Statistics, Business, Engineering, Economics

Two or more years of professional experience in gathering and analyzing data to address business problems; Data Mining using SQL, SAS or other data mining tools.

Preferred Experience:

Three or more years professional experience in with Data Mining using SQL, SAS or other data mining tools.

Understanding of modeling methodologies and development of models to drive strategy and decision making

Education:

Bachelors Degree (Required)

Certifications:



Work Experience

Two or more years



Skills

Analysis of Business Problems, Analyzing Data, Credit Card Collections, Credit Card Fraud, Credit Card Industry, Credit Management, Credit Underwriting, Data Analysis, Excel Pivot Tables, Financial Services, Gathering Data, Python, SAS, Statistical Methods, Statistics, Structured Query Language (SQL)



About Alliance Data Card Services

Alliance Data Card Services provides market-leading private label, co-brand, general purpose and commercial credit card programs, digital payments and Comenity-branded financial services. Using the industrys most comprehensive and predictive data set, advanced analytics, and broad-reaching capabilities, Alliance Data Card Services has been helping partners increase sales and provide greater value to their customers for more than 30 years. Follow Alliance Data Card Services on Twitter, Facebook, LinkedIn and Instagram.



About Bread

A division of Alliance Data, Bread is a leading digital payments company that works with merchants and partners to personalize payment options for their customers. Through its full-funnel recommendation engine, Bread empowers merchants to sell more, improve conversion and lift average-order-value. Follow Bread on Twitter, Facebook and LinkedIn.



Alliance Data Card Services and Bread are a proud part of the Alliance Data enterprise, a FORTUNE 500 and S&P MidCap 400 company headquartered in Columbus, Ohio with more than 8,000 associates worldwide.



* Alliance Data offers a competitive salary, a comprehensive selection of benefit options including 401(k).

* All job offers are contingent upon successful completion of credit and background checks.

* Alliance Data is an Equal Opportunity Employer.

* Alliance Data will provide accommodations to applicants needing accommodations to complete the application process.

* Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for Alliance Data.

* Alliance Data participates in E-Verify.

* Alliance Data will consider for employment qualified applicants with criminal and credit histories in a manner consistent with the requirements of all applicable laws, including the City of Los Angeles Fair Chance Initiative for Hiring Ordinance.

* Alliance Data complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. Applicants with disabilities may contact Alliance Data to request an arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at TaOps@alliancedata.com.




Job Family:

Credit Operations

Job Type:


Regular