Discover. A brighter future.

With us, you'll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it - we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine.

Come build your future, while being the reason millions of people find a brighter financial future with Discover.

Job Description:

What You'll Do

Responsible for defining and enhancing credit risk oversight processes in support of and under the oversight of overall corporate risk management framework and system. Responsible for managing a team that evaluates consumer credit risks and the company's lending practices. Evaluates and monitors consumer credit risk appetite, tolerance, and thresholds. Defines the process for monitoring the performance of the consumer credit portfolio and performs reviews of credit risk strategies. Develops and coaches teams to be able to identify, manage, and escalate risk, and effectively manages risk within the teams you oversee. .

• Develops, manages, and maintains reports and oversight of consumer credit risk appetite, tolerance, and thresholds.
• Develops, implements, and maintains processes for targeted review of credit strategies. Collaborates with credit strategy teams to mitigate identified credit risk concerns. Reports finds in line with established governance processes.
• Develops and maintains credit risk oversight processes, policies, and procedures.
• Presents analytical findings and portfolio risk ranking to management.
• Implements and maintains credit risk portfolio reporting.
• Provides constructive feedback, coaching, and training to team members.
• Reports findings to leadership
• Develops appropriate approach to ensure a comprehensive and accurate view in assessing credit quality and impact on credit performance

• Master's Degree in Statistics, Economics, Information Technology, Mathematics or Engineering
• 8+ years of experience in Statistics, Economics, Engineering, or other quantitative discipline, or equivalent internship or research experience
• 10+ years of experience in Mathematics, Economics, Engineering or any related field with relevant modeling/analytical experience, including a Bachelor's Degree

• Does this job require remaining in a stationary position, including but not limited to, primarily sitting and standing? Primary remains in a stationary position.
• Does this job require the ability to move about inside or outside the work environment to complete the major responsibilities of the job? No required movement about the work environment to complete the major responsibilities of the job.
• Does this job require the ability to transport physical objects? If so, provide the weight of the heaviest object the job needs to transport without the aid of machinery or equipment or the weight equivalency with the aid of machinery or equipment. No
• Primarily, where is this job performed? Primarily performed indoors in an office setting.
• Does this job require the ability to operate equipment or machinery? Select all that apply. Ability to operate office equipment such as but not limited to computer, telephone, printer, and calculator.
• Does this job require the ability to communicate verbally or in written form? Select all that apply. Ability to communicate verbally.; Ability to communicate in written form.
• Does the job require travel? No

• Ph. D. Degree in Statistics, Economics, Information Technology, Mathematics or Engineering

• Paid Parental Leave
• Paid Time Off
• 401(k) Plan
• Medical, Dental, Vision, & Health Savings Account
• STD, Life, LTD and AD&D
• Recognition Program
• Education Assistance
• Commuter Benefits
• Family Support Programs
• Employee Stock Purchase Plan