Sr Analyst Consumer Lending Policy & Risk Analytics

Job OverviewPenFed is hiring a (Hybrid) Sr Analyst, Consumer Lending Policy & Risk Analytics at our Tysons, Virgina location. The scope of this job is to lead credit analysis and drive sustainable growth through data-driven decision-making in consumer credit policy. You have a direct influence on PenFed's credit product experience for millions of PenFed members and positively impact on PenFed's financial performance.Responsibilities Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned. Lead analysis and implementation of credit policy optimization and risk mitigation strategies for consumer credit products, like credit cards, personal loans, and auto loans, to support resilient growth under PenFed's strategic objectives.Drive monitoring and deep dive analysis to support risk mitigation and portfolio health for consumer credit products, identify emerging trends from economic and regulatory changes and provide insights to leadership.Brainstorm on policy change and provide ongoing analytics to support credit policy and product innovation to adapt to the ever-changing macro-environment.Collaborate with modeling teams to build and validate risk and/or NPV valuation models using both internal and external data sources, implement models in policy optimization, and/or monitor model performance on an ongoing basis.Contribute to team goals and support the growth of analysts through collaboration, mentorship, and a commitment to continuous improvement.Partner with key stakeholders in various groups to spearhead initiatives, execute credit strategies, and enable resilient and profitable growth.Gain familiarity with multiple data sources to gain insight into industry trends and provide supplements in credit decision making process.Enhance portfolio reporting and documentation, improve internal efficiencies, contribute to better data quality and data structures, and meet changing management, audit, and regulatory requirements.Explore creative ways to incorporate AI into credit analysis and BAU process optimization.Qualifications Equivalent combination of education and experience is considered. Bachelor's degree in business, finance, economics, computer science, engineering, math, statistics, or other quantitative discipline required, MBA or master's degree preferred.Minimum of two (2) years with master's degree or five (5) years' experience in credit risk policy & analysis, credit risk management or modeling in the financial services industry.Strong skills in various data analysis and visualization tools including SQL, Excel, and PowerPoint are required.Experience with Tableau preferred.Experience with Credit Card, Direct Auto, and/or Personal Loan lending policy is strongly preferred.Proficiency with the statistical tools R and Python is strongly preferred.Excellent written, verbal communication and presentation skills.Curiosity, attention to details, strong critical thinking and problem-solving skills.Ability to work effectively in ambiguous situations, ability to prioritize among multiple projects.Self-motivated and strong interpersonal skills to actively lead and implement ideas in a cross-functional team environment.Supervisory ResponsibilityThis position will not supervise employees.Licenses and CertificationsThere are no additional certifications required.Work EnvironmentWhile performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. *Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.* TravelLimited travel to various worksites is not required.#LI-HybridBenefitsAt PenFed, we offer a robust benefits package designed to support you both personally and professionally. You'll have access to comprehensive health, dental, and vision plans; paid time off; and family-friendly benefits like paid parental leave, care support, and fitness center access. Financial wellness is encouraged through features like a 401(k) match, employee loan discounts, and fully paid life and disability coverage. We also support growth via education assistance, community involvement, and volunteer opportunities.Our PurposeHelping members achieve their dreams since 1935.Pentagon Federal Credit Union (PenFed) is one of America's largest federal credit unions, serving 2.8 million members worldwide with $29 billion in assets. PenFed offers market-leading certificates, checking and savings, credit cards, personal loans, mortgages, auto loans, and a wide range of other financial services, always with members' interests in mind. PenFed is federally insured by the NCUA and is an Equal Housing Lender.Berkshire Hathaway HomeServices PenFed Realty, LLC is a full-service real estate company ready to assist our clients with buying, selling and renting a home. The company is a wholly owned subsidiary of PenFed Credit Union and is the largest independently-owned brokerage in the Berkshire Hathaway HomeServices network, placing us in the top 1% of all real estate brokerages in the country. With almost 60 offices and nearly 2,000 world-class sales professionals, we offer complete service coverage in Virginia, Maryland, the District of Columbia, Delaware, Pennsylvania, West Virginia, Florida, Tennessee, Kansas and Texas. In addition, we also offer specialized client services which include management of vacation properties and long-term rentals, corporate relocation services and national referral network.Equal Employment OpportunityPenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.By applying, you consent to your information being transmitted by StaffAttract to the Employer, as data controller, through the Employer’s data processor SonicJobs.See PenFed Credit Union Privacy Policy at and SonicJobs Privacy Policy at and Terms of Use at

Created: 2026-01-28