Data Analyst - Credit Modeling

The individual in this position will play an important role in the development, monitoring and maintenance of the company’s credit scorecards and reporting systems for the broader portfolio.  Efforts are primarily completed using SAS, augmented with SQL programming to handle various  activities.  To be successful, the incumbent must have an analytical mind, be capable of applying appropriate statistical methods to the data, and be able to appropriately interpret and question why the statistical methods are generating the results shown.  Incumbent will be expected to demonstrate professional self-initiative, but will have ready access to guidance and direction as required to complete the job requirements.

Key Responsibilities:

• Develop, monitor and maintain credit scoring models under leadership and direction of senior developers.
• Provide value assessments from new information obtained through internal and external sources.
• Gain familiarity with the company’s various lending products and processing methods.
• Devise new ideas to improve loan performance and provide methods for testing those ideas.
• Provide ad hoc and production-ready reports to track portfolio performance and trends, as well as related performance analysis as requested by management.

Requirements:

• Familiarity with SAS and SQL is a must.  We are looking for an individual with strong SAS skills including familiarity with core data step functions, as well as familiarity with common PROCs within BASE and STAT.  Macro programming and development experience is a plus.  Experience with Enterprise Miner and the Credit Scoring Add-on to EM is a plus.  SQL skills are important, but lesser so than the SAS skills, and should include primarily select statements, various functions and a solid understanding of various table join methods. 
• A solid understanding of applied behavioral statistics is required.  It is not enough to let the tools find correlations.  The Analyst must question why the pattern is revealed and logically validate those relationships against their knowledge of the data, the industry and statistics.
• Solid communication skills are important.  The analyst in this position will be required to communicate at the highest levels of the organization and must be able to communicate finding and concerns at all levels in a succinct and organized manner.
• Applicants should be energetic, self-motivated, and have a passion for analytical problem solving. 
• Candidate must have a college degree from an analytical discipline, preferably with some graduate training in applied quantitative methods.
• Ideal candidate will have 1-3 years professional experience in an analytics role, preferably within financial services and sub-prime lending.