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Consumer Finance - Credit Execution- Associate - New York City
Goldman Sachs USA
October 12, 2018
New York, New York
MORE ABOUT THIS JOB Consumer and Commercial Banking (CCBD) Consumer and Commercial Banking brings innovative solutions to traditional banking activities. We are a global team of lenders, investors, risk managers, skilled marketers, web experts and banking specialists. We provide a suite of solutions to help our customers meet their personal financial goals. We make direct investments in, and risk manage, a portfolio of corporate loans and securities. And we help transform distressed communities through investments and loans of private capital.
Digital Finance Description Digital Finance, a subdivision of CCBD, is composed of the firm's digitally-led consumer businesses which include the global online consumer deposits business and the US online consumer lending business, the firm's first-ever direct-to-consumer platform built from the ground up. Digital Finance combines the strength and heritage of a 149-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. This unique dynamic allows us to help our customers achieve financial progress through customizable solutions that are grounded in value, transparency and simplicity.
RESPONSIBILITIES AND QUALIFICATIONS Job Responsibilities:
Design and build recurring and ad hoc management reports related to credit and fraud risk, compliance, and operational performance and controls
Perform statistical analysis to identify trends and exceptions related to policy execution
Design, build, implement, test and monitor best in class credit decision workflows for digital banking products for top global financial firm.
Collaborate with marketing, analytics, decision science, operation and technology to build a seamless credit decision framework over customer lifecycle that covers targeting, underwriting and servicing of loans.
Analyze and evaluate potential vendors/data providers for incremental value in credit management strategies in a continuous improvement environment.
Keep up to date with applicable regulations and compliance requirements with possible interactions with internal and external regulators.
Bachelor's degree (U.S. or equivalent) in Mathematics, Statistics, Economics, Engineering or a related field.
3+ years of experience working for a financial services company in risk management, technology or other quantitative function
Building, improving, or analyzing risk management in a digital consumer or small business lending context
Utilizing SAS, R, Python (or similar) for advanced statistical analysis
Utilizing Excel, Tableau, Power BI (or similar) to develop and distribute business analytics reporting related to loan portfolios
Deep understanding of available technology, products and pain points related to financial services portfolio management reporting and credit decision execution.
Managing several projects simultaneously and driving end-to-end project delivery
Hands-on experience with C++, Java , Python or an equivalent programming language, and thorough knowledge of object oriented software engineering concepts
Strong knowledge of data structures, algorithms and design patterns
Exceptional written and oral communication skills with a proven ability to articulate complex ideas, express and defend a point of view, and influence outcomes
Master's degree (U.S. or equivalent) in Mathematics, Statistics, Economics, Engineering or a related field.
Hands on experience on micro-service design and implementation, such as dedicated decision engines and/or orchestration layers.
Functional knowledge of U.S. credit bureau data and Risk Scorecard building infrastructure.
ABOUT GOLDMAN SACHS The Goldman Sachs Group, Inc. is a leading global investment banking, securities and investment management firm that provides a wide range of financial services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in all major financial centers around the world.