Analyst V - Retail Credit

If you have what it takes to become part of the Vistra family and would like to start a promising career with a global leader, take a look at the exciting employment opportunities that are currently available and apply online. Job Summary The Credit Analyst V is part of a dynamic team focused on credit risk management. The job function was created to support and maintain policy definitions and approvals, strategic positioning, and other similar functions associated with the work streams. As part of this team, the Credit Analyst V has responsibility for gathering and analyzing credit information to evaluate creditworthiness on current and potential customers, preparing data-backed reports to support the management team in making strategic business decisions, developing improvements to business processes, identifying, and facilitating the creation of appropriate reporting around each function, managing and integrating processes relating to operations, and delivering an improved customer experience. Job Description ESSENTIAL DUTIES AND RESPONSIBILITIES + Analyze, recommend, maintain and monitor related financial data to evaluate creditworthiness of businesses in order to manage overall credit risk + Analyze and consolidate financial results for data-backed reporting to Sr. Management + Work closely with internal business units and strategic partners to timely communicate credit decisions and policies + Develop knowledge of relevant industries; as well as economic conditions that impose credit risk to current and potential customers + Monitor and assess day-to-day related issues to ensure business practices, policies and procedures are executed effectively + Work with key personnel to define reporting needs and follow through with partner(s) to develop the tools + Resolve reported issues in a timely and decisive manner, or escalate as appropriate + Assess, analyze and prioritize business proposals for operational viability and ensure alignment with objectives + Actively work with various internal/external teams by providing data expertise, offering original perspectives, and challenging conventional views to better align decision making/perceptions with changing business needs + Employ statistical knowledge to develop relevant descriptive statistics related to business functions and other characteristics used to segment customers + Actively work with various internal/external teams by providing data expertise, offering original perspectives, and challenging conventional views to better align decision making/perceptions with changing business needs + Has Subject Matter Expert responsibility for analyzing and developing improvements to business process + Provide direction and guidance to Analysts Experience, Education & Skill Requirements + 5-7+ years of related work experience + Knowledge of Principles of Accounting and Financial Statements Analysis + Strong familiarity with credit bureau ratings information + Understanding of credit policy and procedures + Strong attention to details, with the capability to multi-task and meet tight deadlines + Strong research skills + Excellent verbal and written communication skills + Strong analytical skills, including root cause analysis + Extensive communication and teamwork skills with both internal and external customers + Advanced skill in using computer software applications such as MS Office products + Working knowledge of Internet and related emerging technologies used to effectively aggregate/analyze critical business data + Experience gained through college degree programs and/or certifications is applicable to above skills Job Family Marketing Company Vistra Retail Operations Company Locations Irving, Texas Texas _We are a company of people committed to: Exceeding Customer Expectations, Great People, Teamwork, Competitive Spirit and Effective Communication. If this describes you, then apply today_ _If you currently work for Vistra or its subsidiaries, please apply via the internal career site._ It is the policy of the Company to comply with all employment laws and to afford equal employment opportunity to individuals in all aspects of employment, including in selection for job opportunities, without regard to race, color, religion, sex, sexual orientation, gender identity, pregnancy, national origin, age, disability, genetic information, military service, protected veteran status, or any other consideration protected by federal, state or local laws. If you are an individual with a disability and need assistance submitting an application or would like to request an accommodation, please email us at to make a request. Vistra (NYSE: VST) is a leading Fortune 500 integrated retail electricity and power generation company based in Irving, Texas, that provides essential power resources to customers, businesses, and communities from California to Maine. Vistra is the largest competitive power generator in the U.S., with a capacity of approximately 41,000 megawatts, or enough to power 20 million homes, operating in all of the major competitive wholesale markets in the country. Vistra is a leader in the energy transformation and expansion with an unyielding focus on reliability, affordability, and sustainability, powered by a diverse portfolio that includes natural gas, nuclear, coal, solar, and battery energy storage facilities. The company continues to grow its zero-carbon resources, operating the second-largest fleet of competitive nuclear power plants in the country, substantial battery energy storage capacity, and a growing number of solar facilities. Vistra is one of the largest competitive electricity providers in the country and takes an innovative, customer-centric approach to retail, offering solutions to meet customersu2019 needs, including more than 50 renewable energy plans. Through its family of retail brands, Vistra serves approximately 5 million residential, commercial, and industrial retail customers. As a leader in the responsible transformation of the countryu2019s energy supply, Vistra has made significant progress towards its 2030 and 2050 targets. The company has committed to a 60% reduction of Scope 1 and 2 greenhouse gas emissions by 2030, as compared to our 2010 baseline, and net-zero carbon emissions by 2050, assuming necessary technological advancements and public policy incentives are achieved. Learn more about our environmental, social, and governance efforts and read the companyu2019s sustainability report at . Vistrau2019s hardworking team is committed to its purpose, u201clighting up lives, powering a better way forwardu201d and is guided by four core principles: we do business the right way, we work as a team, we compete to win, and we care about our stakeholders, including our customers, our communities where we work and live, our employees, and our investors. Learn more about how Vistra is powering a better way forward at (. Come join us and be part of something special Click here to learn more about Vistra. _It is the policy of the Company to comply with all employment laws and to afford equal employment opportunity to individuals in all aspects of employment, including in selection for job opportunities, without regard to race, color, religion, sex, sexual orientation, gender identity, pregnancy, national origin, age, disability, genetic information, military service, protected veteran status, or any other consideration protected by federal, state or local laws._ If you are an individual with a disability and need assistance submitting an application or would like to request an accommodation, please email us at to make a request.

Created: 2026-02-04