Associate - 6643953

Job Description

Job Duties: Associate with Goldman Sachs Bank USA in Dallas, Texas. Remote work permitted 12 days per month. When not working remotely must report to Dallas, Texas office. Associate for Consumer Credit Risk focusing on data analytics, data insight for data analytics, data insight generation, trend identification and data visualization to help understand credit risk drivers for unsecured home improvement and consumer lending assets such as personal loans and credit cards. Assess, review, analyze and provide oversight for new originations and ongoing account management credit risk strategies for unsecured consumer lending products. Utilize quantitative credit risk management frameworks to identify risk drivers and design and create guardrails/thresholds to manage consumer portfolio risk. Assist with portfolio credit risk oversight and governance by tracking the actual performance of risk appetite and credit risk management metrics against approved guardrails. Support credit risk management senior leadership to assess data availability, data sufficiency, and reporting needs. Design and write complex data queries to extract credit data from credit systems and conduct analysis of portfolio performance, deep dive analysis of trends, summarize findings and recommend changes. Create analytical reports and presentations for senior management to monitor portfolio performance at portfolio segment level (e.g., product, vintage, risk segment, score band, or marketing channel).

Job Requirements: Master's degree (U.S. or foreign equivalent) in Finance, Business Analytics, Information Systems, Data Science, Computer Science, Electronics and Communication Engineering, or related field and three (3) years of experience in the job offered or in a related role OR Bachelor's degree (U.S. or foreign equivalent) in Finance, Business Analytics, Information Systems, Data Science, Computer Science, Electronics and Communication Engineering, or related field and five (5) years of experience in the job offered or in a related role. Prior experience must include three (3) years (with Master's) OR five (5) years (with Bachelor's) with: using analytical tools such as SQL, R, Python, or SAS to extract, mine and summarize data; data visualization tools such as Tableau to report portfolio key risk and performance metrics; using advanced Microsoft Excel functions and Microsoft PowerPoint to produce and present analytical insights and highlight data trends; and using large datasets to conduct analytical projects utilizing segmentation and/or optimization analyses. Prior experience must include one (1) year with: consumer lending products such as credit cards, personal loans, installment loans, or student loans; and experience with complex statistical techniques including decision tree, Regression modeling, Machine learning, and time series data analysis.

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