This job has expired, please see additional jobs below
Risk Scorecard Management Consultant
De Lage Landen
Wayne, PA, United States
Job Details - this job has expired, please see similar jobs below
DLL is a global provider of asset-based financial solutions in the Agriculture, Food, Healthcare, Clean Technology, Transportation, Construction, Industrial and Office Technology industries. We collaborate with equipment manufacturers, dealers and distributors in more than 35 countries to enable businesses to obtain and use the assets they need to contribute meaningfully to the world.
An opportunity exists in our Scorecard Management team for a Scorecard Management Consultant. This is an opportunity to work in a highly motivated Scorecard Management team that, through its various initiatives and activities, directly influences the profitability and decision making of the organization.
As a Scorecard Management Consultant, you are responsible for translating the business needs of Global Business Units and countries into an optimized flow underwriting process for small ticket applications up to EUR 500k. The team has responsibility for the overall performance of the entire credit scoring environment, specifically as it relates to automated credit scoring and manual decision tools and has a second line of defense role for reporting and monitoring.
This position will be assigned areas of responsibilities within the North America or Latin America
Day to Day:
• Take the lead in projects aimed to design, implement & maintain the automated credit decision tools and processes in line with business requirements and the procedural and regulatory frameworks, in order to ensure efficient and effective use of decision-tools
• Act or become an expert on the credit business process
• Optimize the credit process for dedicated attention areas
• Monitor, report and analyze, on a reoccurring and ad-hoc basis, key trends as they relate to the portfolio and automated credit scoring environment. This is including but not limited to volume, application and booked quality, decision rates, screen-outs, delinquency, and early default trends. Determine whether revisions are required in models, decision trees, cut-off settings or thresholds.
• Play a supportive role to the business via the consultancy services provided to your attention area.
• Regularly communicate with Senior Management and business representatives to discuss KPI trends, customization initiatives and process flow improvements, factoring in macroeconomic, regional and/or industry trends.
• Carry out & prepare periodic and ad hoc analyses on the basis of available raw data and management information.
• Participate in credit risk related projects, with the purpose to improve automated credit scoring & flow business processes and to create awareness throughout the DLL organization.
• Contribute to the development of the knowledge center for automated (credit) decision making.
• Develop and maintain relationships with Credit Bureau Agencies. Investigate new products and services available that could better facilitate or support credit scoring operations, and communicate relevant findings to Senior Management.
• Background in retail credit scoring and/or credit underwriting and a general understanding of credit underwriting processes and procedures.
• Minimum of 4-5 years of experience in some combination of Risk, Credit and small-ticket automation.
• Bachelor’s Degree with a concentration in Economics, Finance, or another related field; Master’s degree a plus.
• Strong analytical skills and demonstrated technical aptitude for data, including advanced Microsoft Excel and Hyperion skills; experience using statistical programs (SPSS, R) a plus.
• Spanish is a plus.
In addition, the successful candidate will be:
• Quality driven and results oriented
• Highly analytical with creative problem-solving skills
• An excellent communicator, both written and verbal
• Detail oriented and well-organized
• Able to work independently and in teams to meet deadlines
• Able to prioritize multiple activities and initiatives and multi-task appropriately
• Two working days per year volunteering for a local charity
• Full Service Cafeteria and Fitness Center on campus
• Flexible hours with possibility to work from home (within job scope)
• Career development opportunities: online learning, member development programs, Tuition reimbursement program.
• Company matching 401k program
• Industry leading Paid Time Off package
• Outstanding Medical, Dental, Vision benefit programs
• One month fully paid sabbatical after seven years of service
• Two working days per year volunteering for a local charity
• Full Service Cafeteria and Fitness Center on campus
• Flexible hours with possibility to work from home (within job scope)
• Career development opportunities: online learning, member development programs, Tuition reimbursement program.
• Company matching 401k program
• Industry leading Paid Time Off package
• Outstanding Medical, Dental, Vision benefit programs
• One month fully paid sabbatical after seven years of service