**Associate – Cards Strategic Analytics (Credit Risk Strategy):** Wilmington, DE. Champion credit risk strategies powering a vast credit card portfolio. Lead quantitative, qualitative analyses, develop policy recommendations, improve controls, and optimize portfolio outcomes. Must have a quantitative degree, 3+ years in related roles, and proficiency in SQL and analytics tools.fluence senior business decisions through data-driven insights, promoting long-term portfolio performance.
Full Job Description
Location: Wilmington, DE, United States
Help shape the credit risk strategies that power one of the worlds largest credit card portfolios. Join a team that challenges the status quo, applies rigorous analytics, and turns insights into responsible growth. Youll partner with stakeholders across the card lifecycle to identify emerging risks, improve controls, and optimize portfolio outcomes. If you bring curiosity, ownership, and a bias for action, youll have a real platform to make impact.
As an Associate Cards Strategic Analytics (Credit Risk Strategy) in CCB Risk Cards Strategic Analytics, you will lead quantitative and qualitative analyses to develop, implement, and monitor credit risk strategies across the card product lifecycle (underwriting, account management, and collections).
You will influence key business decisions by translating complex customer behavior and portfolio performance signals into practical policy recommendations, measurable controls, and senior-ready insights. You will operate at the center of Risk Management and Compliance, helping ensure strategies remain within risk appetite, aligned to regulatory expectations, and focused on long-term portfolio performance.
Job responsibilities
Lead end-to-end analytics to measure, challenge, and improve key business initiatives, generating solutions independentlyDefine clear problem statements, hypotheses, and success metrics to evaluate risks, opportunities, and trade-offsDevelop and refine credit program policies, strategies, processes, and procedures within the assigned functionAnalyze customer and portfolio performance trends using statistical, data mining, and quantitative methodologiesConduct root-cause deep dives to diagnose performance shifts and identify actionable levers across the lifecycleDesign ongoing monitoring and reporting to detect emerging trends in origination quality and portfolio healthTranslate complex analytical results into concise recommendations, executive-level materials, and stakeholder-ready narrativesPartner cross-functionally to secure stakeholder buy-in and drive implementation from concept through rolloutStrengthen operational controls by identifying gaps, proposing enhancements, and validating strategy execution outcomesSupport the risk management framework by documenting approach, maintaining governance discipline, and ensuring alignment to requirementsMonitor internal/external behavioral signals, industry trends, and regulatory developments to continuously improve risk processesRequired qualifications, capabilities, and skills
Hold a Bachelors degree or higher in a quantitative discipline (e.g., Finance, Statistics, Economics, Mathematics, Engineering, Operations Research, Econometrics)Minimum 3+ years of experience in analytics, risk strategy, consulting, business analysis, or related financial/quantitative roles (typically 37 years preferred range for this level)Demonstrate strong analytical problem-solving skills and the ability to structure ambiguous problems into executable analysesApply proficiency in SQL and at least one analytics tool/language such as SAS, Python, or R (Tableau experience acceptable for visualization-focused work)Build clear, accurate, and repeatable monitoring/insight routines to track performance and emerging risk signalsCommunicate effectively in writing and verbally, including preparing executive-level summaries and recommendationsPresent complex findings with clarity, including concise PowerPoint storytelling and sound business conclusionsManage multiple priorities under tight deadlines with strong project management, attention to detail, and follow-throughCollaborate successfully with diverse stakeholders and build durable partnerships across functionsExhibit high initiative, self-direction, and strong judgment in decision-making and escalationMaintain authorization to work in the United States (this role does not offer employment-based immigration sponsorship, including OPT/CPT support)Preferred qualifications, capabilities, and skills
Bring prior experience in the credit card industry, especially in credit strategy, policy, underwriting, or portfolio management rolesShow experience influencing strategy decisions through analytics, including stakeholder alignment and implementation supportDemonstrate familiarity with full lifecycle credit concepts (e.g., originations quality, line management, risk-based treatments, collections optimization)Leverage experience combining internal behavioral data with external/public information (market, industry, regulatory) to inform strategyApply advanced proficiency in Excel (modeling), PowerPoint (executive storytelling), and/or Tableau (dashboards/visualization)Exhibit comfort operating in controlled, compliance-oriented environments with strong documentation and governance habitsDisplay intellectual curiosity and a continuous-improvement mindset to enhance frameworks, controls, and monitoring processes Drive credit card risk strategy and analytics across the full account lifecycle for a leading global card portfolio. 
