BBVA Compass

  • Risk Officer

    Job ID
    2017-106549
    Site Name
    TX-HOUSTON-HOUSTON TOWER
    Category
    CORPORATE RISK
    FLSA Status
    EXEMPT
    Type
    FULL TIME
    EOE Statement
    Equal Opportunity Employer - Minority/Female/Disability/Veterans.
  • Overview

    At BBVA, we are working to make banking better for everyone. That is where you come in. We are looking for smart, team oriented people who want to be part of a first-class workforce that gives people the tools they need to meet their financial goals, all while delivering an outstanding client experience. Learn more below.

    Responsibilities

    POSITION PURPOSE

     
    The Retail Risk Strategy group is part of the Retail Risk Management organization.  It is responsible for the quantitative development and implementation of credit risk strategies across the customer lifecycle for all Retail Credit portfolios. 

    This individual will focus on developing and optimizing analytically driven credit risk strategies for secured/unsecured credit card portfolios and Overdraft.  This includes developing credit risk strategies for underwriting and line assignment decisions through in-depth data analytics. Other analytical responsibilities include authorizations, line increase and decreases, payment floats, and account closures.  The individual will be responsible for setting up on-going reports to track the performance of the portfolio across customer lifecycle. The individual will also integrate customer level risk scores into reactive decision points.  The individual will also be required to undertake complex analytics to support key strategic initiatives for growth, innovation or risk mitigation.

     
    SPECIFIC RESPONSIBILITIES:

    • Develop and optimize credit risk strategies for portfolios using analytical techniques and statistical analysis to meet pre-defined goals
    • Build credit risk strategies for underwriting, line assignment, and account management through segmentation techniques using generic and custom risk scorecards and attributes
    • Ensure strategies are within Risk Appetite and satisfy profitability hurdles
    • Integrate new data sources and solutions into credit risk strategies
    • Tracking and reporting on strategy implementations and validating post implementation
    • Proactively search for and propose enhancements to processes and development
    • Participate in major and minor projects where risk systems support is required
    • Developing programs to track expected versus actual behavioral and performance measures for appropriate portfolios, populations, and segmentation end-nodes
    • Develop new quantitatively driven champion-challenger strategies and pilot programs across the customer lifecycle
    • Undertake ad-hoc data analytics as required

    Qualifications

    REQUIRED EXPERIENCE AND SKILLS: 

    • Minimum of a Bachelor’s degree in a quantitative discipline (example, Statistics, Economics, Mathematics, Analytics etc.)
    • Experience in credit risk modeling/analytics, credit risk portfolio management or credit risk strategy development preferred

     

    • Hands-on experience in developing segmentation models using statistical methods
    • Excellent communication, interpersonal and organization skills
    • Experience working as part of a cross functional team
    • Experience presenting analytic findings and recommendations to senior management and executive directors
    • Demonstrated analytical and problem solving skills
    • Working experience with SAS, including E-Miner and SQL

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