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FNBO · 1 month ago

Director, Credit Reporting and Analytics (Omaha, NE)

Omaha Metropolitan Area

Full-time

Onsite

Senior Level, Lead/Staff

$96K/yr - $163K/yr

8+ years exp

FNBO is committed to the success of its employees. The Director of Credit Reporting and Analytics will lead the credit team’s data strategy and analytical capabilities, transforming complex credit data into actionable business intelligence to support informed risk decisions.

AccountingBankingFinanceFinancial ServicesMortgage

No H1B

Responsibilities

Lead efforts to detect and manage 1st party fraud at both the point of acquisition and during portfolio management

Establish a formal High Risk Credit Management Manual Review process to review risk accounts for 1st party Fraud reasons and close or give credit line decreases to these population

Ensure High Risk Credit Management Manual Review process is established under the Compliance guidelines considering regulatory requirements allowing us to use appropriate adverse actions

Create targeted ad hoc reports to identify suspicious accounts for review by the High Risk Credit Management Manual Review and HRG teams

Manage and continuously enhance payment float strategies (Open To Buy strategies) by integrating new data sources and optimizing system capabilities

Optimizing the Open to Buy strategy rules while reducing the bounced payments and charge-offs vs. increasing customer experience through increasing lines available and float less payments for shorter time frames

Bring new tools to complement EWS coverage to increase the coverage ratio for payments

Focus on unauthorized payments and reduce the risk through closing and/or denying name mismatch DDA accounts

Manage and enhance HIL and UCL strategies for 1st and 3rd party purposes

Align the pre-approval and post-approval manual review population while considering the expectations from Business as well as considering the losses and funding speed of the loans

Add new tools to capture fake documents for high exposure HIL loans which are prevalent in 1st party fraud

Manage daily reviews of HIL and UCL, and the performance of the manual analysts. Complete feedback loop with the Business for collusive merchants and with HIL Risk team for the necessary underwriting strategies

Support Horizontal Analytics function with his/her analytics based on the required research and enhancements requirements through dedicating 20% of his/her time

Present enhancements in underwriting and portfolio strategies through analytics and make data-driven recommendations to the Origination and Portfolio teams

Leading the Enterprise Fraud function for the Fraud/Credit team with required inputs and analysis to make sure Fraud/Credit is well aligned with the Enterprise Fraud Team and tools

Serve as Credit's primary liaison with the Enterprise Data Management (EDM) team

Act as a data steward and subject matter expert for credit-related data within the enterprise data warehouse and Galaxy ensuring data quality, accessibility, and usability

Promote advance analytics such Machine learning models and Chaid analysis to be able to improve the strategies

Oversee the model development/evaluation while working with EDM and external parties to make sure FNBO uses cutting edge tools while the accuracy and application of those statistical tools are correct

Lead the enhancement of AI applications within Credit and Fraud to drive automation, detect anomalies, and improve operational efficiency

Contribute to the design of fraud underwriting processes within new Galaxy platform implementations

Partner with VP of IT to be able to implement new AI use cases which will help to make Fraud/Credit reporting more automated to save employee time. Create tools with IVY and w/o IVY (e.g. w/ Zest) to detect payment and behavior anomalies to detect Fraud earlier

Manage a team of analysts and partner with EXL to effectively prioritize tasks and strategic projects

Mentor and train analysts to elevate their analytical skills and business impact, aiming for top-tier analytical maturity across the team

Collaborate with cross-functional teams to ensure strategic recommendations are understood, aligned, and successfully implemented across business units

Respond swiftly to ad hoc, data-intensive business questions, often with limited information, and provide actionable insights

Keep Senior Management Team (SMT) informed on progress and outcomes of ad hoc requests and strategic initiatives

Qualification

Credit analyticsRisk managementStatistical modelingMachine learningSQLRPythonAnalytical thinkingAgilityTeam leadershipCross-functional collaboration

Required

Full understanding of the credit underwriting, account management, Credit Line Increase (CLI) and Credit Line Decrease, BT, payment float strategies and other portfolio management actions

Multi-tasking while running a team and projects in tight deadlines

Exceptional quick and analytical thinker with advanced math background

Hands on and strategic experience in advanced analytics, statistical modeling and machine learning

Strong management style to deliver heavy analytics under short deadlines

Working under stress and influencing colleagues cross-functionally

Ability to resolve highly complex or unusual business problems

Ability to manage competing and at time complex priorities with a proven track record of sound decision making practices and able to multi-task

Self-driven with an ability to build consensus and influence the organization to achieve business goals

Master's degree in Statistics, Data Science, Mathematics, Finance, Business or related field

8+ years of experience in credit analytics, risk management, or a related field

3+ years in analytical tools (e.g., SQL, R, Python)

Candidates must possess unrestricted work authorization and not require future sponsorship