Associate, CWM5076842

Location(s) US-TX-Richardson
Job ID
2021-79467
Schedule Type
Full Time
Function(s)
Consumer Banking
Region
Americas
Division
Consumer and Wealth Management
Business Unit
DigFin Risk,Fraud,Collections
Employment Type
Employee

MORE ABOUT THIS JOB

Associate with Goldman Sachs Bank USA in Richardson, TX.

RESPONSIBILITIES AND QUALIFICATIONS

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.

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



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Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity