Associate with Goldman Sachs Bank USA in Richardson, TX.
Duties: Associate with Goldman Sachs Bank USA in Richardson, TX. Perform statistically driven credit underwriting and risk analyses using a variety of analytic techniques and data sources for the development of consumer and small business acquisition strategies across accept/decline, pricing and term optimization. Develop a best in class verification strategy to drive improved credit performance across income, employment and bank information. Partner with marketing, finance and operations teams to ensure smooth execution and meeting all control requirements. Explore and identify potential vendors/data providers and represent business in initial discussions, negotiations and onboarding process in a continuous improvement environment. Build and optimize existing customer management strategies to improve customer level profitability. Ensure that all credit strategies align with Risk Appetite framework. Keep up to date with applicable regulations and compliance requirements with possible interactions with internal and external regulators. Develop analytical reports and presentations for senior management, executive committees and regulatory exams.
Job Requirements: Master’s or Bachelor’s degree (U.S. or foreign equivalent) in Mathematics, Statistics, Economics, Computer Science or a related field. Requires a Master’s Degree and three (3) years of experience in the job offered or related position OR Bachelor’s Degree and five (5) years of experience in the job offered or related position. Prior work experience must include a minimum of three (3) years with a Master’s degree or five (5) years with a bachelor’s degree with: Building, improving, and analyzing risk management strategies in a consumer business; Utilizing data science and mathematical algorithms to prototype and implement complex risk and technology solutions; Using SAS, R, or Python for statistical modeling and analyzing time-series data; Working with large datasets and big-data tools utilizing Hadoop, Hive and Spark; Visualizing complex data analyses and communicating to a wide variety of audiences, including senior leadership; and Managing several projects at once and driving end-to-end project delivery.
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