🚀 Director, Credit Reporting and Analytics (Omaha, NE)

* Establish a formal High Risk Credit Management Manual Review process to review risk accounts for 1st party Fraud reasons and close or give credit line decreases to these population* Ensure High Risk Credit Management Manual Review process is established under the Compliance guidelines considering regulatory requirements allowing us to use appropriate adverse actions* Create targeted ad hoc reports to identify suspicious accounts for review by the High Risk Credit Management Manual Review and HRG teams* Manage and continuously enhance payment float strategies (Open To Buy strategies) by integrating new data sources and optimizing system capabilities* Optimizing the Open to Buy strategy rules while reducing the bounced payments and charge-offs vs. increasing customer experience through increasing lines available and float less payments for shorter time frames* Bring new tools to complement EWS coverage to increase the coverage ratio for payments* Focus on unauthorized payments and reduce the risk through closing and/or denying name mismatch DDA accounts* Support Horizontal Analytics function with his/her analytics based on the required research and enhancements requirements through dedicating 20% of his/her time* Present enhancements in underwriting and portfolio strategies through analytics and make data-driven recommendations to the Origination and Portfolio teams* Leading the Enterprise Fraud function for the Fraud/Credit team with required inputs and analysis to make sure Fraud/Credit is well aligned with the Enterprise Fraud Team and tools* Manage a team of analysts and partner with EXL to effectively prioritize tasks and strategic projects* Mentor and train analysts to elevate their analytical skills and business impact, aiming for top-tier analytical maturity across the team* Full understanding of the credit underwriting, account management, Credit Line Increase (CLI) and Credit Line Decrease, BT, payment float strategies and other portfolio management actions* Multi-tasking while running a team and projects in tight deadlines* Exceptional quick and analytical thinker with advanced math background* Hands on and strategic experience in advanced analytics, statistical modeling and machine learning.* Strong management style to deliver heavy analytics under short deadlines* Working under stress and influencing colleagues cross-functionally* Ability to resolve highly complex or unusual business problems* Ability to manage competing and at time complex priorities with a proven track record of sound decision making practices and able to multi-task* Self-driven with an ability to build consensus and influence the organization to achieve business goals* Master’s degree in Statistics, Data Science, Mathematics, Finance, Business or related field* 8+ years of experience in credit analytics, risk management, or a related field* 3+ years in analytical tools (e.g., SQL, R, Python)* Medical, Dental, Vision Insurance* 401k, With Matching Contributions* Time Off Programs* Health Savings Account (HSA)/Dependent Care* Employee Banking* Growth Opportunities* Tuition Assistance* Short-Term/Long-Term Disability InsuranceFNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. We strive to represent the communities in which we serve.
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