Job Description

Discover. A brighter future.

With us, you’ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it — we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine.

Come build your future, while being the reason millions of people find a brighter financial future with Discover.

Job Description 

At Discover, be part of a culture where diversity, teamwork and collaboration reign. Join a company that is just as employee-focused as it is on its customers and is consistently awarded for both. We’re all about people, and our employees are why Discover is a great place to work. Be the reason we help millions of consumers build a brighter financial future and achieve yours along the way with a rewarding career.

Responsible for developing, applying, and enhancing credit risk oversight processes in support of, and under the oversight of, the overall Corporate Risk Management framework and system. Responsibilities includes, but not limited to, evaluating and monitoring of consumer credit risk appetite, tolerance and threshold, defining the process for monitoring the performance of the consumer credit portfolio, and performing reviews of credit risk strategies while using trade-offs among key business metrics such as credit losses, receivables, and profit. Identifies, designs, and implements business analyses in support of business strategies.

Responsibilities

• Reviews and effectively challenges the ACL assumptions and calculations.
• Designs and implements comprehensive statistical analysis as part of the credit review process.
• Assesses and effectively challenges Risk Appetite & KRI tolerances and thresholds.
• Establishes effective controls in the credit oversight process.
• Applies and enhances credit risk oversight policies, processes, and procedures.
• Establishes and maintains effective portfolio tracking to monitor changes in the portfolio credit performance.

Minimum Qualifications

At a minimum, here’s what we need from you:

• Bachelor's Degree in Statistics, Economics, Engineering, Business, or other quantitative discipline
• 4+ years of experience as Credit Analyst, Data Analyst, or related field
• In lieu of a degree, 8+ years of experience as Credit Analyst, Data Analyst, or related field
• Effective communication and critical thinking skills.
• Excellent problem solving skills and the ability to handle ambiguity.

Preferred Qualifications

If we had our say, we’d also look for:

• Master's Degree in Statistics, Economics, Engineering, MBA, or other quantitative discipline
• 6+ years of experience as Credit Analyst, Data Analyst, or related field

What are you waiting for? Apply today!

And by the way, while you’re waiting to hear from us, don’t forget to check out the great benefits Discover offers.

The same way we treat our employees is how we treat all applicants – with respect. Discover Financial Services is an equal opportunity employer ( . We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.