Credit Risk Analyst

Website Bluestem Brands

Bluestem Brands is the parent company to five eCommerce retail brands. We have one mission: to build a dynamic retail enterprise that wins with direct-to-consumer excellence and entrepreneurial-minded employees focused on serving our customers’ unique needs. Our leadership is responsive and supportive, empowering those smart and passionate employees who drive our success. We are continually innovating and improving: we take risks, learn from mistakes and celebrate success as a team.

You work hard, and you deserve more than just a paycheck. Bluestem works to do what’s right for employees. From the big things (great benefits, employee discounts and incentive plans) to small touches (jeans-every-day dress code), this is the place you’ll want to be. And we don’t just talk about work-life balance, we try to live it. Join the Bluestem Brands team to make an impact, be inspired and be valued, every day.

We are looking for a Credit Risk Analyst to join our team. This role will be based out of our Eden Prairie, MN office which operates in a hybrid work setting. The Credit Risk Analyst is responsible for front-end (originations), customer management, or scorecard development for Fingerhut or additional retail brand(s) as assigned. This position performs analysis and makes recommendations for changes within existing and pilot credit programs to optimize performance as well as analyzing and possibly developing new scorecards. You will be involved in all phases of the credit life cycle, working closely with our Marketing, Decision Sciences, Forecasting and Credit Implementation teams to support our growing suite of credit products.

DUTIES AND RESPONSIBILITIES:

Analysis:

  • Primarily focus on in-depth analysis and segmentation of new or existing accounts for testing purposes.
  • Understand the risk/return trade-offs in the subprime space, review champion/challenger performance, monitor custom scorecards, update segmentation, investigate additional benefits of alternative data sources/scorecards and perform ad-hoc analysis as needed; summarize findings, make credit policy/strategy/scoring recommendations based on results, forecast potential impact and create presentations for senior leadership in support of proposed changes.
  • Proactively work with external data sources and third-party data provider to evaluate new scores, assist in the development of new custom models and work on validating models against the Bluestem customer population

Data:

  • Work with appropriate internal and external stakeholders to ensure data is accurate, available in a timely manner, updated as part of new initiatives, understood by other interested parties and can be extracted/analyzed quickly

Reporting:

  • Support credit reporting across the customer life cycle from pre-screen to charge-off; ensure daily, weekly, monthly, quarterly and annual reporting is accurate, timely, concise, intuitive and provides value-added insights into variances

Implementation:

  • Work in partnership across all credit channel leaders; from a Risk and Business Line perspective, assist in UAT, problem resolution, regression testing, new policy/strategy/scoring implementation and post-implementation validation

QUALIFICATIONS:

  • Master’s degree (or Bachelor’s degree with additional, relevant work experience) in a technical discipline or business field with a strong technical foundation required (Statistics, Finance, Engineering, Information Systems, etc.)
  • Strong programming background, minimum 1-year experience with SAS and exposure to SQL, decision trees and Excel (VB) in a business environment
  • 1+ year(s) experience in an analytics/modeling/reporting role; recent Master’s graduates will be considered based on area of study and relevant coursework
  • Experience with large data sets aggregated from multiple sources; enthusiasm for working on technically complex analysis
  • Analytical and results oriented, independent thinker and strong problem solver
  • Strong written and verbal communication skills; ability to summarize and communicate results from complex analysis clearly; experience presenting analysis to senior leadership

To apply for this job please visit recruiting2.ultipro.com.

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