• Risk, Retail Credit Risk Underwriting/Policy Role, Analyst, Dallas

    Location(s) US-TX-Dallas
    Job ID
    2019-54357
    Schedule Type
    Full Time
    Level
    Analyst
    Function(s)
    Risk Management
    Region
    Americas
    Division
    Risk
    Business Unit
    Risk Division Retail
    Employment Type
    Employee
  • MORE ABOUT THIS JOB

    RISK

    The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm.

     

    Job Description

    We are seeking an analyst level candidate to join the Credit Risk division team. The role will focus on data analytics, data insight generation, trend identification and data visualization to help understand credit risk drivers, create guardrails and monitor the performance of unsecured consumer lending assets such as personal loans and credit cards.

    Typical responsibilities and duties include the following:

    • Support credit risk management senior leadership in partnering with business units and broader Credit department to assess data availability, data sufficiency, and reporting needs
    • Design and write data queries to extract credit data from various systems and conduct analysis of portfolio performance, deep dive analysis of trends, summarize findings and recommend changes
    • Provide support for portfolio credit risk oversight and governance by tracking the actual performance of risk appetite and credit risk management metrics against approved guardrails
    • Create Management reporting using Tableau or other cutting-edge visual interface-based tools to monitor portfolio performance at portfolio segment level (e.g., product, vintage, risk segment, score band, or marketing channel)
    • Be up to date on applicable regulations and compliance requirements in consumer lending and support Senior Leadership during interactions and updates to internal and external regulators
    • Adhere strictly to compliance and operational risk controls in accordance with company and regulatory standards, policies and practices
    • Address internal audit requirements and findings in a timely and appropriate manner

    RESPONSIBILITIES AND QUALIFICATIONS

    MINIMUM EDUCATION REQUIREMENTS/DEGREE AND FIELD:  

    Strong Quantitative/ analytical skill with Master’s degree (U.S. or equivalent) in a quantitative discipline such as Mathematics, Statistics, Engineering, Data Science/Analytics or a related field like Information Systems, Business Analytics.

     

    MINIMUM YEARS EXPERIENCE REQUIRED: 

    0-3 years of experience in the related industry or in dealing with similar quantitative techniques.

     

    PRIOR WORK AND ACADEMIC EXPERIENCE MUST INCLUDE:

    • Use statistical packages like SQL, SAS, R, Python etc., tools to mine, manipulate & aggregate complex consumer and transaction level data on big data platforms such as Hadoop, Spark etc.
    • Use complex statistical techniques such as decision trees, regression modeling, machine learning, testing techniques and time series data analysis techniques.
    • Visualizing information/ trends from raw and complex data using visualization tools such as Tableau, and communicating results to a wide variety of audiences
    • Using advanced Microsoft Office skills, specifically Excel (including creation of pivot tables, logic functions), PowerPoint and Word
    • Strong writing, presentation and communication skills; technical writing and documentation experience desired
    • Strong project management / organizational skills and the ability to manage multiple assignments concurrently across various stakeholders with ability to do end-to-end project delivery.

    ABOUT GOLDMAN SACHS

    ABOUT GOLDMAN SACHS

    At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

    We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.

    We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html



    © The Goldman Sachs Group, Inc., 2020. All rights reserved.
    Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity