Overview Are you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members “do better.” Joining PenFed is more than being an employee; it’s about being a part of the PenFed family. PenFed is hiring a (Hybrid) Senior Analyst Credit Card Policy & Risk Analytics at our Tysons, Virginia location. The scope of this job is to lead credit analysis and support end-to-end development of credit policy in the Consumer Credit Card space,. primarily focusing on line assignment and portfolio risk management in Credit Card. You will have a direct influence on the credit card user experience for hundreds of thousands of PenFed members and direct impact on PenFed’s financial performance. Responsibilities Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned. Lead analysis for credit policy optimization and risk mitigation strategies, particularly focused on account management policies that enable better member experience and improve efficiencies. Drive monitoring and deep dive analysis of credit card performance and policy effectiveness, identify emerging credit trends and provide insights on root causes. Brainstorm on policy change and provide ongoing analytics to support credit policy and product innovation to adapt to the ever-changing macro-environment. Collaborate with modeling team to build/manage risk models using both internal and external data sources, conduct risk drivers analysis and build / implement valuations models. Partner with key stakeholders in various groups to spearhead initiatives and enable resilient and profitable growth. Gain familiarity with multiple data sources. Utilize purchased data to gain insight into industry trend and provide benchmarking of PenFed credit card data. Enhance portfolio reporting, improve internal efficiencies, contribute to better data quality and data structures, and meet changing management and regulatory requirements. Qualifications Equivalent combination of education and experience is considered. Bachelor’s degree in Math, Statistics, Economics, Computer Science, or other quantitative field requirired, Master’s degree preferred. Minimum of two (2) years with Master’s Degree or five (5) years with Bachelor’s of experience in quantitative analysis / modeling, credit policy or credit risk management in financial services industry. Strong data analytical and data visualization skills. Proficiency with SQL, Tableau, Excel, and PowerPoint are required. Familiarity with Snowflake platform and R preferred. Strong skills in various data analysis and visualization tools including SQL, Tableau, Excel and PowerPoint are required. Proficiency with statistical tools (SAS, R) and analysis is preferred. Curiosity, attention to details, strong critical thinking and problem solving skills. Ability to work effectively in ambiguous situations, ability to prioritize among multiple projects. Self-motivated and strong interpersonal skills in order to actively lead and implement ideas in a cross-functional team environment. Supervisory Responsibility This position will not supervise employees. Licenses and Certifications There are no additional certifications required. Work Environment While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. *Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.* Travel Limited travel to various worksites is required. About Us Established in 1935, PenFed today is one of the country’s strongest and most stable financial institutions with over 2.8 million members and over $36 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam, Puerto Rico and Okinawa. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment Opportunity PenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.