Bachelor s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master s preferred. 7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services. Strong expertise in consumer lending products (credit cards, personal loans, student loans, etc.) and credit lifecycle strategies. Proficiency in SAS, SQL, Python (Tableau is a plus). Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning. Ability to synthesize complex analysis into clear recommendations for senior management. Strong communication, presentation, and stakeholder collaboration skills. Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.