Credit Analyst, Credit Risk Strategy & Analytics

Job Description:• Developing and managing credit risk decision strategies by creating data driven insights and analytics across customer lifecycle i.e. New Accounts, Portfolio and Line Management and Collections, and across WEX products and lines of business• Performing qualitative and quantitative analysis on credit risk trends, and working together with Operations, second line and WEX Bank teams to define, evaluate, and implement potential solutions with Tech. • Optimize the risk-return tradeoff and establish profitability based credit decisions at every touchpoint, through economic cycles• Continuously monitor credit and collections performance, conduct deep-dive analyses to explore areas of opportunity, and implement credit controls to address potential/emerging risks• Review and strengthen both systematic and manual credit processes• Partner closely with Decision Science, Fraud, Operations and second line teams to evaluate new data sources, track performance and ensure profitability.• Partner with the Product, Marketing Risk capabilities and Technology teams to develop streamlined customer experience journeys• Track developments in the marketplace to understand industry best practices. • Work with internal governance teams and external regulators to ensure control and compliance• Collaborate with key stakeholders and cross-functional partners across WEX including Risk Operations, Technology, Bank, Marketing, Finance, Legal, Risk and Compliance/BSA/AML. Requirements:• Master’s degree in a quantitative field such as Data Science, Mathematics, Computer Science, Statistics, Business or other technical field• 5+ years of experience in Data and Analytics and/or 3+ years in the Credit or Fraud risk analytics and Commercial Risk space; Payments industry experience a plus• Experience using analytics/statistics to solve complex business problems- Big Data, Python / SQL, ML studio, Data visualization tools• Strong analytical and quantitative skills• Ability to think critically in order to analyze problems and develop creative, practical and efficient solutions for a multinational company• Ability to learn quickly, solve complex problems, and perform in a fast-paced environment• Strong communications skills that distill complex data and systems issues to both technical and non-technical audiences• Understanding of and experience with risk decision engines and/or payment technology• Leadership qualities that motivate collaboration with others, guiding the prioritization of initiatives• Willingness to learn and continuously build technical skill set• Ability to prioritize and work on multiple projects and tasks at the same time• Adaptable and comfortable working collaboratively and independently in a self-starting mannerBenefits:• health, dental and vision insurances• retirement savings plan• paid time off• health savings account• flexible spending accounts• life insurance• disability insurance• tuition reimbursement Apply tot his job