Senior Manager, Credit Risk

Overview

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Our deep roots in the financial industry have empowered us to develop convenient, easily accessible financial services that meet our customers' growing needs.

Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued. Our portfolio includes distinguished brands like Cash Money®, LendDirect® and Heights Finance. Each brand is constantly evolving to better serve our customers.

Be part of a dynamic team that is shaping the future of consumer finance. Apply today and take the next step in your career with Attain Finance!

As a member of our Risk Department, you will be a part of a very dynamic, learning-oriented risk team that thrives on innovation and opportunities to spearhead the deployment of new technologies for managing the growth of Attain’s lending portfolios.

Responsibilities

Develop credit risk strategies and enhancements for the assigned loan portfolio to improve performance (reduced defaults, increased receivables and/or revenue)

Provide design and monitoring for credit risk oversight framework including development of credit risk appetite, risk metrics thresholds, and limits

Proactively analyze portfolio performance at the granular level using bureau data, cash flow data, and transactional data to identify emerging credit trends and conduct root-cause analysis and isolate key performance drivers

Conduct A/B tests to reduce credit risk, improve customer experience, and optimize profitability on acquisition initiatives

Lead projects independently and perform ad hoc analysis as needed

Operate as the subject matter expert in credit decision processes to support cross-functional teams and partner with stakeholders to ensure understanding of changes to risk factors and the underwriting/ credit decisioning flow

Support Leadership in preparing reports and documentation for regulatory reviews and audit activities

Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment process

Develop and enhance the reporting structure for assigned markets/products and channels. This includes developing/modifying scoring datasets/warehouse and developing monitoring reports for use in performance tracking.

Utilize relational database and/or analytical programs to create data for analysis and monitoring of strategies and models

Forecast impact of strategy changes on key business performance metrics such as revenues, balances and losses

Effectively coach and support teammates to identify actionable insights, suggest recommendations, and influence the direction of the business

Directly supervise one or more credit risk professionals

Qualifications

BS or higher in a quantitative discipline (Statistics, mathematics, qualitative social science, operation management, finance, physics, ) or equivalent working experience

5+ years of professional experience in credit risk analytics. Strong knowledge in Financial Services with emphasis on risk management/analytics of consumer lending products

Advanced experience in SQL, Snowflake, or relational databases

Working knowledge in Python, SAS,R, or other analytical tools preferred

Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred

Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and provide data-driven insights

Strong business acumen with ability to translate analytical efforts to business results

Strong organization skills and the ability to communicate effectively, both verbally and in written

Exceptional problem-solving skills and ability to work effectively with minimal Comfortable working both independently and in a team environment.

Base Salary: $150,000 - $210,000 USD

The base salary range represents the low and high end of the anticipated salary range for this position based on the U.S. average. The actual base salary offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.

All full-time salaried employees are eligible for the following benefits, starting on day one: Flexible Paid Time Off Program, Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages. You will also be eligible to participate in our 401k program, starting on the first of the month following 30 days of employment with a company match.

This employer participates in E-Verify for US-based hires.

#AttainFinance #remote

EEO Statement

Attain Finance Supports Equal Employment Opportunity. Attain Finance (dba Cash Money®, LendDirect®, and Heights Finance) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works.

Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end in @attainfinance.com, @heightsfinance.com, @lenddirect.com, and @cashmoney.ca.

Originally posted on Himalayas