• Develop loss forecast models for pricing, reserve, stress testing, portfolio management, and collection • Provide support to decision making in credit policies using quantitative analysis• Work with teams from risk policies, IT technique support, and production for study definition, database usage, model targets, adjustments, and implementation• Deliver presentations with meaningful model interpretation and business solutions to stakeholders• Follow compliance and audit requirement for model validation, performance tracking and documentation• Define and manage the project goals, scope, resources, timelines, constraints and deliverables• Conduct data preparation and manipulation by SAS from warehouse

• Define and implement test analyses including: classical test theory analysis, reliability and validity studies, IRT calibration and equating, factor analysis, structural equation model, etc..• Develop and validate subtest and composite test norms.• Create tables, graphs, and figures in test manuals.• Independently manage research projects.• Interface with other departments on issues related to study specification, data, sampling, or forms construction.• Develop SAS macro code to improve automation for common analyses.