Credit Risk Analyst Credit Risk Analyst …

The Goldman Sachs Group, Inc.
in Dallas, TX, United States
Permanent, Full time
Last application, 18 Aug 19
The Goldman Sachs Group, Inc.
in Dallas, TX, United States
Permanent, Full time
Last application, 18 Aug 19
Credit Risk Analyst
Careers Center Risk, Retail Credit Risk Underwriting/Policy Role, Analyst, Dallas in Dallas, Texas | Careers at 0714 012 K785 0000|Risk Division|Risk Administration|Risk Division Retail|Risk Please Enable Cookies to Continue Please enable cookies in your browser to experience all the personalized features of this site, including the ability to apply for a job. Returning Candidate?
  • Risk, Retail Credit Risk Underwriting/Policy Role, Analyst, Dallas Location(s) US-TX-Dallas Job ID 2019-54358 Schedule Type Full Time Level Analyst Function(s) Risk Management Region Americas Division Risk Business Unit Risk Division Retail Employment Type Employee


    The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm.


    Job Description

    We are seeking an analyst level candidate to join the Credit Risk division team. The role will focus on data analytics, data insight generation, trend identification and data visualization to help understand credit risk drivers, create guardrails and monitor the performance of unsecured consumer lending assets such as personal loans and credit cards.

    Typical responsibilities and duties include the following:

    • Support credit risk management senior leadership in partnering with business units and broader Credit department to assess data availability, data sufficiency, and reporting needs
    • Design and write data queries to extract credit data from various systems and conduct analysis of portfolio performance, deep dive analysis of trends, summarize findings and recommend changes
    • Provide support for portfolio credit risk oversight and governance by tracking the actual performance of risk appetite and credit risk management metrics against approved guardrails
    • Create Management reporting using Tableau or other cutting-edge visual interface-based tools to monitor portfolio performance at portfolio segment level (e.g., product, vintage, risk segment, score band, or marketing channel)
    • Be up to date on applicable regulations and compliance requirements in consumer lending and support Senior Leadership during interactions and updates to internal and external regulators
    • Adhere strictly to compliance and operational risk controls in accordance with company and regulatory standards, policies and practices
    • Address internal audit requirements and findings in a timely and appropriate manner


    Strong Quantitative/ analytical skill with Master’s degree (U.S. or equivalent) in a quantitative discipline such as Mathematics, Statistics, Engineering, Data Science/Analytics or a related field like Information Systems, Business Analytics.



    0-3 years of experience in the related industry or in dealing with similar quantitative techniques.



    • Use statistical packages like SQL, SAS, R, Python etc., tools to mine, manipulate & aggregate complex consumer and transaction level data on big data platforms such as Hadoop, Spark etc.
    • Use complex statistical techniques such as decision trees, regression modeling, machine learning, testing techniques and time series data analysis techniques.
    • Visualizing information/ trends from raw and complex data using visualization tools such as Tableau, and communicating results to a wide variety of audiences
    • Using advanced Microsoft Office skills, specifically Excel (including creation of pivot tables, logic functions), PowerPoint and Word
    • Strong writing, presentation and communication skills; technical writing and documentation experience desired
    • Strong project management / organizational skills and the ability to manage multiple assignments concurrently across various stakeholders with ability to do end-to-end project delivery.

    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.

    © The Goldman Sachs Group, Inc., 2019. All rights reserved Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Vet.