Director Credit Risk Analysis

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:
What You'll Do
Responsible for leading and managing teams that develop, enhance and oversee credit management strategies and/or loss forecasts in support of and under the oversight of the overall Risk management framework and practices. Performs effective challenge of credit strategies across the life cycle and makes recommendations to Credit Management teams and Credit Committees. Develops and implements the monitoring and reporting framework to independently measure the performance of the consumer lending portfolio and escalates insights and emerging risks to management. Designs and monitors consumer credit risk appetite, tolerance, and thresholds. Adheres to credit risk oversight governance processes. Leads and guides decision making on critical business components such as credit losses, receivables, and profit. Identifies business opportunities and leads the team to execute on them to support the business strategy.
Creates a culture of effective risk management, accountability, and demonstration of risk awareness across the organization.
How You'll Do It

• Leads the development of short and long-term plans for Credit teams, aligning initiatives to drive business results
• Ensures effective processes and systems are in place to achieve results and people development
• Addresses escalated concerns and ensure resolution to address root cause
• Creates a culture of continuous improvement for both business outcomes and work processes. Influences organizational culture and promote "change" to enhance decision making processes.
• Coaches and develops technical, managerial and leadership skills of direct reports. Be a role model for leadership behaviors

Qualifications You'll Need
The Basics

• Bachelors in Mathematics, Social Sciences, Business Administration and Management, Statistics, Finance, Economics, Engineering or related
• 8+ years experience in analytics, consulting, financial services or related.

Bonus Points If You Have

• 10+ years experience in analytics, consulting, financial services or related.
• 5+ years of experience in 2nd line Credit Risk Oversight and Governance functions

Physical and Cognitive Requirements
The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable a qualified individual with disabilities to perform the essential functions of the position as required by federal, state, and local laws:

• Primarily remain in a stationary position.
• No required movement about the work environment to complete the major responsibilities of the job.
• Primarily performed indoors in an office setting.
• Ability to communicate verbally.
• Travel up to 10% of the time.

Discover will not sponsor or transfer employment work visas for this position. Applicants must be currently authorized to work in the United States on a full-time basis.
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Application Deadline:
The application window for this position is anticipated to close on Mar-12-2025. We encourage you to apply as soon as possible. The posting may be available past this date, but it is not guaranteed.
Compensation:
The base pay for this position generally ranges between $154,500.00 to $234,900.00. Additional incentives may be provided as part of a market competitive total compensation package. Factors, such as but not limited to, geographical location, relevant experience, education, and skill level may impact the pay for this position.
Benefits:
We also offer a range of benefits and programs based on eligibility. These benefits include:

• Paid Parental Leave
• Paid Time Off
• 401(k) Plan
• Medical, Dental, Vision, & Health Savings Account
• Short and Long Term Disability, Life, and Accidental Death & Dismemberment insurances
• Recognition Program
• Education Assistance
• Commuter Benefits
• Family Support Programs
• Employee Stock Purchase Plan

Learn more at mydiscoverbenefits.com .
What are you waiting for? Apply today!
All Discover employees place our customers at the very center of our work. To deliver on our promises to our customers, each of us contribute every day to a culture that values compliance and risk management.
Discover is committed to a diverse and inclusive workplace. Discover is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status, or other legally protected status. (Know Your Rights & Pay Transparency Nondiscrimination Provision)
Discover complies with federal, state, and local laws applicable to qualified individuals with disabilities and is committed to providing reasonable accommodations. If you require a reasonable accommodation to search for a position, to complete an application, and/or to participate in an interview, please email [email protected] . Any information you provide regarding your accommodation needs will be kept confidential and will only be used to determine and provide necessary accommodation.
At Discover, we are committed to creating an inclusive and equitable workplace through our Fair Chance Hiring practices. Fair Chance Hiring means that we base our hiring decisions on an applicant's qualifications rather than their criminal record. All our positions are subject to Section 19 of the Federal Deposit Insurance Act. Our applicants go through a background check, and we follow all applicable local laws, including the Los Angeles County Fair Chance Hiring Ordinance ( LA County Fair Chance ).
Positions marked as remote eligible are limited to remote locations within the country in which the position is based.
Applicants must be 18 or older at the time of hire.