AI/Insight Senior Associate for Credit Risk Growth Programs

Join a team transforming portfolio decision-making with AI, advanced analytics, and intelligent automation. You’ll shape scalable insight solutions that improve monitoring, reporting efficiency, and strategy performance across key growth levers. This role sits at the intersection of business strategy, risk, analytics, and technology—turning complex data into clear decisions. If you enjoy building durable analytics products that leaders rely on, this is the right seat.

As a/an AI & Insights Lead – Portfolio Growth Programs in Portfolio Growth Programs (AI/Insights Team), you will lead the design and delivery of scalable analytics, AI/ML, and automation capabilities that power data-driven portfolio management. You will partner closely with business, risk, analytics, and technology stakeholders to translate strategy needs into repeatable insight solutions, strengthen governance and controls for AI-enabled processes, and drive measurable improvements in monitoring, reporting, and decision speed across Credit Line Increase (CLI), Balance Transfer (BT), Pricing, and Portfolio Optimization.

Job Responsibilities

• Lead AI and insights initiatives across Portfolio Growth Programs to support scalable and data-driven portfolio management.
• Identify and implement automation opportunities to improve reporting, monitoring, and analytical efficiency.
• Develop AI-enabled solutions and dashboards to enhance visibility into portfolio trends, customer behavior, and strategy performance.
• Support portfolio strategies including Credit Line Increase (CLI), Balance Transfer (BT), Pricing, and Portfolio Optimization.
• Partner with business, risk, analytics, and technology teams to translate business needs into practical analytical solutions.
• Build standardized reporting and insight frameworks to support ongoing strategy monitoring and governance.
• Leverage advanced analytics and emerging technologies to improve operational effectiveness and decision speed.
• Support development of scalable data and insight capabilities that can be reused across multiple portfolio strategies.
• Monitor and evaluate performance of AI and automation initiatives to ensure business value delivery. Drive continuous improvement initiatives to reduce manual effort and improve productivity across teams.
• Assist in establishing appropriate controls, governance, and documentation for AI-driven processes. Interact frequently with cross-functional partners and present to senior managers/executives; communicate trade-offs, risks, and recommendations clearly.
• Stay informed on emerging AI and analytics trends and assess applicability to portfolio management functions.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree in Analytics, Engineering, Statistics, Computer Science, Finance, Economics, or related quantitative field.
• Minimum 4+ years of experience in analytics, portfolio management, strategy, or related functions within financial services or consumer lending.
• Familiarity with emerging AI technologies including Generative AI, LLM applications, Orchestration framework and Intelligent automation solution
• Experience working with large datasets, reporting frameworks, and analytical tools.
  Strong understanding of portfolio strategies such as credit line management, pricing, balance transfer, or customer engagement strategies.
• Exposure to AI, machine learning, automation, or advanced analytics applications in business processes.
• Understanding of scalable AI solution design, prompt engineering, and AI governance concepts 
• Strong problem-solving and analytical skills with ability to translate data into actionable insights.
• Effective communication and stakeholder management skills across business and technical teams.
• Experience managing cross-functional initiatives and driving execution in a fast-paced environment.
• Proficient in SQL, Python, SAS, Tableau, or similar analytical and visualization tools preferred.
• Ability to balance strategic thinking with hands-on execution and delivery