CREDIT RISK MANAGER jobs in Delaware

Are you ready to build the future of our company?

About Mercury® Financial

Mercury® Financial is an innovative and growing financial services company with locations in both Austin, TX and Wilmington, DE. Our mission is to help customers build and maintain their financial future by offering them credit cards they can afford and understand. After only a few years, we’ve had great success building a significant credit card program, but we are aiming higher, which means we have lots of challenging problems for you to help us solve. Come onboard, work with some of the most talented individuals who thrive on collaboration and teamwork and help us continue to build something special.

Location

Mercury® Financial is headquartered in the progressive and entrepreneurial tech hub of Austin, Texas. Our physical location is situated in a beautiful park like setting called the Domain. The Domain's ideal location and exceptional amenities, amazing restaurant selection and convenient parking, are all perfect for after work happy hours!

Or,

Mercury® Financials' Wilmington, Delaware office is located near the Riverfront. Wilmington is Delaware’s largest city and is the economic engine of the state. The Riverfront combines its rich history with a host of attractions that bring great food, entertainment, and shopping to our city. Based on its convenient location, direct access to I-95, Amtrak and SEPTA, this location allows our employees the flexibility to live in a variety of the surrounding areas.

What it’s like to work here:

We foster a collaborative and innovative culture where you will be empowered to do your best work. All of our employees bring everything they have to their job and are part of a larger team working towards a greater goal. We do right by our employees, our partners, and our customers.

Role:

The Credit Risk Manager is responsible for performing and presenting credit risk analytic recommendations as well as designing, implementing, and monitoring credit strategies that drive the profitable growth of a credit cards portfolio. This position will leverage skills in credit risk, SAS/SQL programming, and complex data analytics in the performance and delivery of credit risk analytics. The candidate should be able to apply solid knowledge of credit strategy decision engines and regulatory compliance in the design, implementation, and monitoring of credit strategy. Must be able to constantly communicate complex topics to colleagues, management, and other stakeholders within the company.

Primary Responsibilities:

• Ability to code in SAS/SQL against data repositories to analyze performance of a credit card portfolio
• Design, implement, and monitor account management strategies including payment programs and loss initiatives
• Apply knowledge of credit card regulations in the development, implementation, and monitoring of credit strategies
• Perform ad-hoc and recurrent credit risk analytical work
• Communicate strategies to management and other stakeholders
• Develop and implement strategies to drive the growth and profitability of the credit card portfolio
• Manage credit lines effectively to optimize portfolio performance and minimize risk
• Collaborate with cross-functional teams to ensure alignment and execution of portfolio growth initiatives
• Provide line management oversight, ensuring the team meets its performance objectives and professional development goals

What a Day is Like:

• Evaluate new data and partner data sources for account management strategies using statistical analysis techniques such as CHAID, Decision Trees, optimization procedures, loss forecasting, enhanced process monitoring, data quality analyses, and incorporate score implementations for strategies
• Analyze and propose changes to current strategies/initiatives
• Work with Segment/Strategic Analytics/Decision Science staff to ensure project completion within agreed time frames and end-client satisfaction
• Analyze, validate, track, and monitor delivered projects

You’re perfect for this role if you have:

• Bachelor's degree and 5 years of Credit Card Industry experience
• Solid understanding of credit card and/or consumer lending fields
• Proficiency in common PC software such as Excel, Word, Teams, and PowerPoint
• Proficiency in SAS and SQL programming
• Ability to retrieve, stage, and analyze complex data housed in relational databases such as Redshift, Oracle, Teradata, DB2, or others
• Proficiency in analytical or reporting tools such as SAS, R, Python, or Tableau
• Excellent written and verbal communication skills

Why you’ll like working here:

This isn’t a place where you will fill a seat and keep your head down. This is a place where everybody is expected to help build something. This is a place where you can be involved and lead in your areas of expertise. So, how much do you believe in yourself? If you believe in your skills, in your drive and determination, we’ll give you the resources and room to show the world what you can do. Here are just a few of the benefits we offer:

• Employer insurance coverage for employee & dependents
• Life insurance
• 401K with generous employer match
• Wellness program
• Monthly Company Events
• Hybrid Work Model

Mercury® Financial is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, status as a protected veteran, among other things, or status as a qualified individual with disability.