Senior Staff Fraud Risk Analyst

About the role

**Overview**

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One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. That’s how we power prosperity.

QuickBooks Capital is a nimble and high\-priority business unit within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talent and team members that love new challenges, cracking tough problems and working cross\-functionally. If you are looking to join a fast\-paced, innovative and incredibly fun team, then we encourage you to apply.

As a key leader of the Credit Risk Management team for Intuit’s business credit card product, this individual will be responsible for developing, optimizing and managing strategies for credit card underwriting, risk\-based pricing, portfolio management, debt collections and loss forecasting. They will provide a strategic vision for growing product adoption by leveraging test and learn agendas, life time valuations based decisioning and risk prediction models. They will be responsible for developing and maintaining the credit policy for all stages of the product life cycle, and will be accountable for program performance.

They will lead a team of analysts to set analytical agendas by identifying business priorities, framing key risk questions, and translating them into clear analysis roadmaps for the team. They will identify business problems that require modeling solutions and collaborate heavily with the Data Science team in the development and deployment of risk and performance prediction models. They will be an active proponent of leveraging AI and automation in developing analytical insights, updating models and deploying strategy changes.

This individual will effectively partner with multiple cross\-functional teams to implement and monitor strategy changes across the card lifecycle. They will partner heavily with the marketing team to identify prospects from Intuit’s vast customer base and drive customer acquisition efforts. This is a high visibility leadership role that presents an excellent opportunity to grow an analytical team through hiring, mentoring and developing talent.

**Responsibilities**

Develop, implement and manage credit risk management strategies across customer targeting, underwriting, portfolio management, collections and drive overall card profitability

Leverage cashflow analyses and other business data of Intuit’s Quick Books customers to enhance underwriting and overall risk management

Develop A/B tests to help understand credit risk/return tradeoffs using hypothesis testing frameworks

Develop monitoring frameworks and reporting on key performance indicators

Establish performance expectations and maintain accountability for variance with actuals

Partner with the Data Sciences team to develop and maintain models that predict multiple customer behaviors including default risk, utilization and profitability

Partner with Product, Engineering, Compliance, Marketing, Operations, Capital Markets and other functions to implement and monitor credit strategy changes

Proactively contribute innovative concepts for the creation of new financing products at Intuit

**Qualifications**

Minimum 8 years of experience in credit risk analytics and risk management, with some people management experience

Familiarity with risk scoring and modeling techniques including regression modeling, multivariate analyses and machine learning

Familiarity with credit data such as bureau attributes and risk scores, cash flow attributes and alternate data sources

Excellent analytical and problem\-solving skills with a proven track record of converting analysis insights into business recommendations

Exceptional verbal and written communication skills to effectively communicate complex ideas and influence senior audiences in decision making

Proficiency with analytical packages and tools such as SQL, SAS, Python, R and Tableau

MS/PhD in quantitative fields such as Statistics, Mathematic, Finance, Economics, Operations Research.

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers \| Benefits). Pay offered is based on factors such as job\-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is:

Mountain View $199,500 \- $270,000

New York City $187,000 \- $253,000