About the Team/Role:

Global Risk Strategy is a key team in the Risk & Compliance organization that ensures WEX's products and processes deliver robust fraud and credit decisions while providing a great customer experience and supporting WEX's growth. We are a team of data and analytics driven experts with an outstanding ability and sense of mission to find solutions through innovation and collaboration.

We are looking for a Credit Analyst, Credit Risk Strategy & Analytics, who will be responsible for developing innovative credit risk strategies and solutions across the customer lifecycle - leading to best-in-class credit results while enabling profitable growth and customer experience for WEX. The successful candidate will preferably have some knowledge and experience in Credit & Collections Risk analytics and processes. The successful candidate will be collaborative and a strong communicator with high EQ to work in a matrixed organization. This position will report directly to the Director or Credit Risk Strategy

How you will make an impact:

• Developing and managing credit risk decision strategies by creating data driven insights and analytics across customer lifecycle; i.e. New Accounts, Portfolio and Line Management and Collections, and across WEX products and lines of business.

• Performing qualitative and quantitative analysis on credit risk trends, and working together with Operations, second line and WEX Bank teams to define, evaluate, and implement potential solutions with Tech.

• Optimize the risk-return tradeoff and establish profitability based credit decisions at every touchpoint, through economic cycles.

• Continuously monitor credit and collections performance, conduct deep-dive analyses to explore areas of opportunity, and implement credit controls to address potential/emerging risks.

• Review and strengthen both systematic and manual credit processes.

• Partner closely with Decision Science, Fraud, Operations and second line teams to evaluate new data sources, track performance and ensure profitability.

• Partner with the Product, Marketing Risk capabilities and Technology teams to develop streamlined customer experience journeys.

• Track developments in the marketplace to understand industry best practices.

• Work with internal governance teams and external regulators to ensure control and compliance.

• Collaborate with key stakeholders and cross-functional partners across WEX including Risk Operations, Technology, Bank, Marketing, Finance, Legal, Risk and Compliance/BSA/AML.

Experience you will bring:

Education and Experience:

• Bachelor's degree required; advanced degree strongly preferred.

• 5+ years of experience in Data and Analytics; 3+ years in the Credit or Fraud risk analytics and Commercial Risk space; Payments industry experience a plus.

• Experience using analytics/statistics to solve complex business problems - Big Data, Python / SQL, ML studio, Data visualization tools.

Skills and Abilities:

• Ability to think critically in order to analyze problems and develop creative, practical and efficient solutions for a multinational company.

• The ability to learn quickly, solve complex problems, and perform in a fast-paced environment.

• Strong communications skills that distill complex data and systems issues to both technical and non-technical audiences.

• Understanding of and experience with risk decision engines and/or payment technology.

• Leadership qualities that motivate collaboration with others, guiding the prioritization of initiatives.

• Willingness to learn and continuously build technical skill set.

• Ability to prioritize and work on multiple projects and tasks at the same time.

• Adaptable and comfortable working collaboratively and independently in a self-starting manner.