Senior Credit Risk Analyst
MudflapSalary not specified
Full Time
Mid-level (3 to 4 years)
Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, Banking, Consumer LendingIndustries
Requirements
- Bachelor’s degree or military experience
- At least 7 years of professional business and data analysis experience
- At least 3 years of experience in consumer lending (credit card and auto loans) credit risk policy, risk analytics or strategy development
- At least 3 years of experience influencing senior level executives or regulators
- Preferred Qualifications
- Master’s Degree
- Consumer credit training from a large national or regional bank or equivalent training in a regulatory office (Office of the Comptroller of the Currency (OCC), Federal Reserve)
- Credit risk modeling, audit or assurance experience
Responsibilities
- Conducting risk-based reviews covering consumer line(s) of businesses
- Identifying credit process weaknesses
- Identifying emerging trends and issues
- Perform independent data analysis to support or identify gaps in credit policies
- Tracking of identified issues to resolution
- Communicating Credit Review assurance results with exceptional verbal and written communication skills, demonstrating strong clear thinking and succinct delivery of message
- Reporting results and issues verbally and in writing to executive management and internal credit and risk senior executives
- Working with regulators and external auditors to provide assurance that Credit Review processes are sound
- Building and maintaining high trust relationships with credit risk executives, associates, and regulators
- Acting as an approachable advisor to business partners by developing continuous and effective communication channels for all stakeholders
- Showing ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results
Skills
Credit Review
Risk Assessment
Credit Strategies
Risk Governance
Data Analysis
Issue Tracking
Executive Reporting
Regulatory Assurance
Policy Implementation
Credit Monitoring
Capital One
Offers diverse financial products and services
About Capital One
Capital One provides a variety of financial services aimed at making banking accessible and easy for everyone. The company offers products such as credit cards, savings accounts, car loans, and business checking accounts, catering to both individual consumers and small businesses primarily in the United States. Capital One's approach includes user-friendly banking solutions with no fees or minimums for checking accounts, allowing customers to manage their finances more effectively. They generate revenue through interest on loans, credit card fees, and investment banking services. What sets Capital One apart from its competitors is its strong commitment to financial inclusion and literacy, demonstrated through community partnerships and educational initiatives, such as collaborations with Khan Academy. The company's goal is to create a more inclusive financial system and empower customers with the knowledge and tools they need to make informed financial decisions.
McLean, VirginiaHeadquarters
2014Year Founded
$15.9MTotal Funding
IPOCompany Stage
Fintech, Financial ServicesIndustries
10,001+Employees
Benefits
Medical, Dental, & Vision coverage
Onsite Health Centers
Prescription saving with network of local pharmacies
Stock Purchase Plan
Education Assistance
401(k)
Flexible Spending Accounts
Life and Disability insurance
Generous paid time off + corporate & floating holidays
Registered dieticians on site, cooking classes and free virtual fitness classes
Employee Assistance Program
Risks
Increased competition in subscription management tools may dilute Capital One's advantage.
Over-reliance on partnerships could expose Capital One to technological risks.
Departure of key personnel like Joe Rodriguez may affect risk management continuity.
Differentiation
Capital One offers user-friendly banking with no fees or minimums for checking accounts.
The company partners with Khan Academy to provide financial literacy education.
Capital One is the first major U.S. bank to offer subscription management tools.
Upsides
Capital One's mobile app is a model for secure, user-friendly digital banking.
Data sharing with Worldpay enhances payment security and fraud prevention.
Partnerships with fintechs like Minna Technologies improve customer experience.
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