The Lending Strategy & Governance Manager will have bank oversight into credit management account strategies. This position will act as the 1st Line of Defense for the bank and for credit management strategy oversight. This position will work closely with the Banks' Chief Credit Officer to develop and implement a thorough Bank oversight program. The oversight will focus on credit management underwriting/account management strategies, collection/recovery practices, debt sale strategies, and fraud management strategies.
Essential Job Functions
Meet with Servicing Company Credit managers and analysts to develop oversight program for individual strategy, provide effective challenge based on findings, and review findings to improve strategy functionality. Develop an effective communication and coordination program with the Servicing Company's credit leaders and analysts.
Ensure that strategies are appropriately approved by the Banks and that any findings related to strategy development or approval are shared with the Servicing Company's Credit leaders and the bank.
Develop and lead ongoing, regularly scheduled meetings with Servicing Company Credit Team managers and analysts, senior credit management personnel, and bank management.
Develop oversight reporting package for the credit committee.
Oversee a group of strategy analysts who will help develop monitoring and exception management reports related to a specific credit management strategy. The reports and general oversight will align with ERM oversight reports.
Ensure that critical documentation is developed and maintained to ensure consistency across strategy owners. Documentation will be critical and should include but not limited to: minutes, chain of approvals, and alternative strategies.
Preferred Work Experience
7 years of experience in bank lending.
Must have broad knowledge of banking regulations and deep knowledge of consumer regulations.
Must have 5 years of experience leading consumer lending strategy development.
Knowledge, Skills and Abilities
Knowledge of credit card business
Knowledge of banking regulations and regulatory relations
Ability to understand and manipulate large data sets to deliver compelling story/report
Knowledge of current technologies and practices associated credit card decision processes
Knowledge of consumer regulations and laws
Strong understanding of system process and quick study to learn new system process
SAS or SQL
Analytical and quantitative skills
Self-starter with strong initiative
Ability to work independently in a fast paced environment
Ability to organize tasks and determine shifting priorities on projects
Ability to creatively solve problems with innovative solutions
MS Office: Intermediate proficiency in Excel; basic level of Word and PowerPoint
Excellent verbal and written communication skills
Strong interpersonal skills: Professional, courteous, friendly, warm, empathetic, level headed and composed
Presentation (both written and oral) skills to provide analysis results to leadership
Working Conditions/ Physical Requirements
Normal office environment, limited travel required
The role will lead a team of 3 or 4 strategy analysts.
Preferred Supervisory Experience
3 years of experience leading teams of credit analysts.
Alliance Data card services business
Alliance Data's card services business develops market-leading private label, co-brand, and business credit card programs for many of the world's most recognizable brands. Through our branded credit programs, we help build more profitable relationships between our partners and their cardmembers, and drive lasting loyalty. We uphold our Know more. Sell more. promise by leveraging unmatched customer insights, advanced analytics, and broad-reaching innovative capabilities. It's how we deliver increased sales to our partners, build enduring loyalty to their brands, and provide more value to our cardmembers.
Alliance Data offers a competitive salary, a comprehensive selection of benefit options including 401(k).
All job offers are contingent upon successful completion of credit and background checks.
Alliance Data is an Equal Opportunity Employer.
Alliance Data will provide accommodations to applicants needing accommodations to complete the application process.
Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for Alliance Data.
Alliance Data participates in E-Verify.
Alliance Data will consider for employment qualified applicants with criminal and credit histories in a manner consistent with the requirements of all applicable laws, including the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance.
To learn more, visit www.KnowMoreSellMore.com/careers