[Hiring] Senior Manager, Credit Risk @Attain Finance

Role Description

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.

• 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, including 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 with strong knowledge in Financial Services, emphasizing 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 the ability to translate analytical efforts to business results
• Strong organization skills and the ability to communicate effectively, both verbally and in writing
• Exceptional problem-solving skills and ability to work effectively with minimal supervision
• Comfortable working both independently and in a team environment

Requirements

• Base Salary: $150,000 - $210,000 USD
• The actual base salary offered will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience

Benefits

• Flexible Paid Time Off Program
• Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages
• Eligibility to participate in our 401k program, starting on the first of the month following 30 days of employment with a company match

Company Description

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.