Credit Management Analyst

$55,200 - $100,000/Yr

Bread Financial Payments - Westerville, OH

Full-time - Entry Level

Hybrid - Westerville, OH

5,001-10,000 employees

About the position

The Credit Risk Analyst plays a crucial role in the Credit Risk Underwriting and Account Management function, focusing on facilitating profitable growth by analyzing client portfolios and recommending necessary changes to credit parameters. This position involves creating underwriting standards, analyzing past account performance, and developing strategies to enhance sales and profitability while ensuring compliance with contractual guidelines.

Responsibilities

• Create and evaluate new account application underwriting standards for client portfolios with guidance from the Credit Risk Manager.
• Analyze performance of past accounts and recommend changes to underwriting and credit limit assignment parameters.
• Create, test, and analyze new credit limit strategies for specific clients to increase sales and profitability for existing accountholders.
• Create and analyze reporting of key credit risk metrics to understand changes in portfolio risk mix and customer behavior.
• Act as the primary risk contact for the Client Sales team and resolve ad-hoc requests from internal partners.
• Participate in the Strategic Account Management process with Client Sales and create strategies for new client implementations.
• Participate in strategic projects to identify enhancements that lead to more account approvals and higher sales.

Requirements

• Bachelor's Degree or equivalent work experience in Economics, Statistics, Finance, Business, Accounting, or completion of a Bread Financial apprentice program.
• At least one year in credit management.

Nice-to-haves

• Experience coding using SAS, SQL, Dataiku, Angoss, or other dashboard experience.

Benefits

• Medical, prescription drug, dental, and vision insurance coverage.
• Basic and optional life insurance, supplemental medical plans, and short and long-term disability benefits.
• Six weeks of 100% paid parental leave after a 180-day waiting period.
• 401(k) plan with immediate enrollment for hired associates.
• 11 paid holidays and Flexible Time Off (FTO) program.
• Paid Sick and Safe Time (PSST) upon hire and at the beginning of each calendar year.
• Opportunity to purchase company stock during offering periods.
• Annual incentive bonus based on individual and company performance.