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 Associate level candidate to join the Credit Risk division team. The role will focus on credit risk management and small-business financials assessment. The specific skills and experience include data analytics, data insight generation, trend identification, data visualization to help understand credit risk drivers for unsecured consumer and small business lending assets such as line of credit, term loans, personal loans and credit cards. The required skills and knowledge also include the ability to understand small business financial statements as part of underwriting of small business loans and lines.

　　Typical responsibilities and duties include the following:

　　Support Credit Risk management senior leadership with analysis, reporting and presentations Engage with First Line business units to support Credit Risk (Second Line) role in providing Risk control for portfolios Develop analytical reports and presentations for senior management, executive committees and regulatory exams. Review financial data in income statements, balance sheets, cash-flow statements, and bank statements as part of manual review of small business credit applications Design and write data queries to extract, manipulate and organize data from multiple sources and systems Perform portfolio performance analysis, deep-dive analysis of trends, identify key insights based on data. Summarize key portfolio analysis outcomes in reports and presentations. Present findings in meetings with management and business partners. Ability to identify existing and emerging drivers of risk in a portfolio to drive guardrail design and proactive management of the portfolio. Create guardrails/ thresholds across various dimensions 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 provide support to 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

　　MINIMUM EDUCATION REQUIREMENTS/DEGREE AND FIELD:

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

　　MINIMUM YEARS EXPERIENCE REQUIRED:

　　3+ years of experience in related industry

　　Prior work and academic experience must include:

　　Building, improving, or analyzing risk policies including credit underwriting and collections in a consumer or small business lending or similar data driven industries such as insurance Experience in consumer and small business lending (e.g., installment loans, credit cards) preferred and expertise with credit bureau data as well as familiarity with alternate credit related data sources Knowledge and experience with financial statements review for small business lines and loans applications Experience in retail credit risk analytics including 5+ years of retail strategy with credit policy/underwriting criteria development, performing portfolio deep dive analytics including performance measurement and insight generation to influence credit policy Utilizing knowledge of U.S. credit bureau data, Risk Scorecards to drive analysis and outcome 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. Ability to do end-to-end project delivery.

　　ABOUT GOLDMAN SACHS

　　At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

　　We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.

　　We're committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html

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