About the Role

As Credit Risk Analyst II, you will conduct ad-hoc analysis/project implementation to enhance portfolio performance and develop models to forecast delinquencies, losses and revenues. Additionally, you could analyze portfolio risk of the Kohl's charge product while developing and implementing strategies that enhance revenues and mitigate losses for the portfolio.

What You’ll Do

Review standard and intermediate ad hoc analysis requests from business partners for customer, program, offer and/or channel needs. 

Consult with business partners to identify primary and secondary business analyses and KPIs required to support business decisions 

Develop end-to-end project timelines for analysis deliveries 

Identify and collect primary and secondary data variables to holistically answer business questions 

Maintain an understanding of the structure and location of various data sources to be utilized 

Independently pull and manipulate data to determine results and develop data visualizations into relevant conclusions 

Identify and set up processes for data quality checks 

Execute setup and data pull for analyzing various credit programs, including A/B Testing 

Review relevant data sets and analyses to develop detailed and informed insights and implications to inform strategy and decisions 

Organize insights, data and visualizations into comprehensive stories for distribution to leadership partners in support of internal business decisions 

Create and analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money 

Develop forecasting loss models for delinquencies, contractual, and manual - dollars and units 

Develop forecasting revenue models – for interest, fees & outstanding - dollars and units

Additional tasks may be assigned

What Skills You Have

Required

Bachelor’s Degree or equivalent

2+ years’ experience in analytics

Basic SQL and/or SAS skills

Self-motivated with strong competence with data management, analytics and visualization 

Basic experience with Visualization Software like Looker, Tableau, Etc

Preferred

Experience in modeling data using AI

Master’s Degree or equivalent

R/Python programming skills

Retail or Financial services experience in Risk Management particularly Credit Card product