Senior Credit Risk Strategy Analyst - Consumer Lending
Plano, TX | Full-time | On-site (4 days/week)
About the Role
A leading financial services organisation is seeking a Senior Credit Risk Strategy Analyst to support the development, execution, and optimisation of credit risk strategies across consumer lending portfolios. This role focuses on driving profitable growth within defined risk appetite, while ensuring strong governance, compliance, and portfolio performance management. You will play a key role in shaping credit strategy decisions using advanced analytics, data-driven insights, and cross-functional collaboration.
What You'll Do
- Develop and enhance credit risk strategies across consumer lending portfolios to balance growth and risk
- Apply advanced quantitative and analytical techniques to identify risks, opportunities, and portfolio trends
- Own end-to-end credit strategy performance monitoring and provide actionable insights to senior leadership
- Design and execute complex financial and risk sensitivity analyses
- Build and maintain analytical frameworks to support credit decisioning and portfolio optimisation
- Partner with cross-functional teams (Pricing, Product, Underwriting, Compliance, Legal, Operations) to implement strategies
- Develop and present risk and financial performance reporting for senior management and governance committees
- Conduct root cause analysis and translate findings into clear, strategic recommendations
- Apply industry benchmarks and external data to inform credit policy and strategy
- Support testing frameworks (including A/B testing) to evaluate and optimise credit strategies
- Ensure compliance with regulatory requirements (FCRA, Reg B, UDAAP, OCC guidelines, etc.)
- Mentor junior analysts and contribute to team capability building
What You Bring
