U.S. Bank

Small Business Credit Card Portfolio Risk Manager

U.S. Bank • $105K — $124K *
Minneapolis, MN 55407In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Bachelor's degree or equivalent work experience
  • 5-7 years of relevant experience in risk management
  • Strong analytical skills for data models and trends analysis
  • Experience with credit card risk management functions
  • Proficiency in Python, SAS, SAS EG, or SQL Plus
  • Expert in Microsoft Office Suite, particularly Excel and PowerPoint
  • Familiarity with Power BI for reporting and analytics.

Responsibilities

  • Develop underwriting strategies for the Small Business Credit Card portfolio.
  • Analyze historical data to identify risks and growth opportunities.
  • Communicate strategy changes and financial impacts to stakeholders.
  • Query and analyze large datasets for pattern identification.
  • Work with bureaus to enhance data sources for strategy improvement.
  • Validate the accuracy of strategy execution in decisioning systems.
  • Monitor performance trends and propose timely strategy adjustments.
  • Create automated reports and analyses using Power BI to inform senior management.

Benefits

  • Healthcare options (medical, dental, vision)
  • Life insurance options
  • Short-term and long-term disability coverage
  • Parental leave and pregnancy disability benefits
  • 401(k) and employer-funded retirement plan
  • Generous paid vacation policy
  • Multiple paid holiday opportunities
  • Adoption assistance
  • Sick and Safe Leave accruals.
Full Job Description
Job Description

U.S. Bank is hiring a responsible, hard-working Risk Management professional skilled in SAS/SQL, data analysis, and reporting tools to manage small business credit card credit risks through underwriting strategies for the Small Business credit card Risk Strategy team.

Position Highlights

  • Responsible for underwriting strategies for the Small Business Credit Card portfolio. Analyze large amount of historical data to identify risk mitigation and growth opportunities through data-driven underwriting strategy improvements. Develop tools, segmentations, and strategies to optimize financial impact of these programs. Forecast the strategy's financial impact and track actual against forecast
  • Clearly and timely communicate strategy changes and financial impact to partners and senior leaders
  • Query large datasets using tools such as Python, SAS EG or SQL Plus, performing segmentation and decision tree analysis. Identify patterns through large credit card financial data
  • Work with consumer and commercial bureaus to improve data sources and tool for strategy improvement
  • Work closely with other areas of the organization such as system
  • Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers
  • Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner
  • Work as a liaison between Compliance, Risk, Data Warehouse teams to keep data organized. Become a data expert for the Small Business team and build reports, data inventory, and analysis that help make data-driven decisions
  • Utilize reporting tools such as Power BI to create and automate timely and accurate tracking and reports for senior management. Summarize findings from the reports to deliver clear messages about strategy improvement opportunities


Basic Qualifications

  • Bachelor's degree or equivalent work experience
  • Five to seven years of related experience


Preferred Skills and Experience

  • Bachelor's degree or equivalent work experience, with emphasis in computer science, business, analytics, statistics, data science or equivalent work experience
  • Candidates with two plus years of relevant experience in credit card risk management functions are encouraged to apply
  • In-depth understanding of the Risk Management function in credit card risk management with a focus on line management
  • Strong analytical skills and ability to analyze models, tools, trends, and patterns
  • Expertise with any of these tool - Python, SAS, SAS EG or SQL plus to pull large amounts of data
  • Expertise with Microsoft suites and productivity tools, especially with Excel and PowerPoint
  • Expertise with Power BI is a plus
  • Strong process facilitation, project management, analytical, and presentation skills
  • Experience working with small business credit card portfolio preferred


Hybrid/flexible schedule

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
  • Healthcare (medical, dental, vision)
  • Basic term and optional term life insurance
  • Short-term and long-term disability
  • Pregnancy disability and parental leave
  • 401(k) and employer-funded retirement plan
  • Paid vacation (from two to five weeks depending on salary grade and tenure)
  • Up to 11 paid holiday opportunities
  • Adoption assistance
  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law


Review our full benefits available by employment status here.

Posting may be closed earlier due to high volume of applicants.

About U.S. Bank

U.S. Department of the Treasury is a government agency responsible for promoting economic prosperity and ensuring financial security. The department is responsible for a wide range of activities such as advising on economic and financial issues, encouraging sustainable economic growth, and fostering improved governance in financial institutions.

U.S. Bank Careers

Join the dynamic team at U.S. Bank, one of the nation's top banking institutions, where your career journey is as promising as the services we provide to our customers. At U.S. Bank, we are committed to fostering a culture of innovation, leadership, and diversity that is unmatched in the industry.

Explore Job Opportunities and Growth

At U.S. Bank, we offer a variety of job opportunities that cater to a range of skills and professional interests. Whether you are looking for a position in finance, technology, customer service, or management, U.S. Bank is hiring talented individuals who are eager to contribute to our mission and grow with us.

Internship Programs

Kickstart your career with U.S. Bank’s internship programs. These opportunities are designed for ambitious students who want to gain hands-on experience and develop essential skills in a real-world setting. Our internships provide a platform to engage with experienced professionals and explore potential career paths within the company.

Benefits and Employment Perks

Choosing a career at U.S. Bank means more than just employment. We offer comprehensive benefits designed to enhance your life and well-being. From health and wellness programs to retirement plans, we ensure our team members are supported both personally and professionally.

Our Commitment to Diversity and Inclusion

Diversity and inclusion are at the core of our values at U.S. Bank. We are dedicated to creating an environment where all employees feel valued and included. Our diversity training programs are part of our commitment to an inclusive workplace, where everyone can thrive.

Leadership and Professional Development

Leadership at U.S. Bank is about more than guiding teams – it's about inspiring them. We invest in leadership training and professional development programs that help our employees become the best in their fields. By fostering a culture of learning and growth, we prepare our team members to take on new challenges and leadership roles.

Networking and Innovation

Networking at U.S. Bank goes hand in hand with innovation. Our employees are encouraged to connect with colleagues and industry leaders through various networking events and professional groups. This collaborative environment fuels innovation and allows us to stay ahead in a competitive industry.

Join Our Team

Are you ready to take the next step in your career? Explore the open positions at U.S. Bank and find where your skills and passions align with our needs. Prepare your resume, sharpen your interview skills, and get ready to join a team where your career can flourish.

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Stay ahead in your career with U.S. Bank – where your growth is our priority.
Learn more about U.S. Bank
Size
68,796 employees
Market Cap
$66.2 billion
Industry
Finance & Insurance
Net Income
$4.9 billion
5 Year Trend
+0.5%
NASDAQ
USB
* Ladders Estimates

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