[Hiring] Director of Decisioning & Credit Risk Platforms @Community Choice Financial Family of Brands

Role Description

The Director of Decisioning & Credit Risk Platforms role is critical to advancing our organization’s ability to make precise, timely, and high-impact operational decisions through systematic automation and optimization of business processes. This position is responsible for overseeing and ensuring the delivery of robust, scalable, and high-performing decision support systems that directly support secured strategic objectives, regulatory compliance, and operational excellence.

This role additionally involves directing a team of developers and analysts, ensuring adherence to coding paradigms and practices that conform to organizational standards, and fostering collaboration across key business units. The Director will play a pivotal role in driving strategic decision-making, optimizing underwriting systems, and managing the technical execution of credit risk initiatives to support secured loan underwriting and other back-office systems.

Qualifications

• 10+ years of experience as a Credit Risk Analyst, Decision System Analyst, Rules Developer, or a related field, with 3+ years of experience in a direct, supervisory capacity overseeing multiple developers/analysts.
• Proficiency in decision engine software (e.g., Provenir Cloud 2.0, GDS Link).
• Proficiency in decision science implementation and methodologies.
• Proficiency in various relational databases and management tools, including SQL Server, MariaDB, PostgreSQL or similar tools.
• Proficiency in NoSQL databases, such as MongoDB and DynamoDB.
• Deep knowledge of REST/SOAP API web services, JSON/XML data structures, and the technical integration best practices thereof.
• Technical expertise in AI/ML, and functional skills with the implementation and integration of statistical model code (SAS, R, Python).
• Proven ability to lead cross-functional teams and drive strategic initiatives in a fast-paced, collaborative environment.
• Exceptional analytical and critical thinking skills, with a focus on logical design and effective implementation.
• Strong oral and written communication and people skills to influence and align diverse stakeholders.
• Master’s degree in business administration, financial management, information technology, data analytics, or a related field.
• Prior experience in financial services and a proven record of delivering measurable improvements in credit and fraud risk processes.

Requirements

• Spearhead the end-to-end digital transformation of secured credit risk decisioning, leveraging AI/ML, advanced analytics, and systematic automation to optimize underwriting, portfolio management, and fraud detection.
• Contribute to the Credit Risk conversation throughout the company, using statistical data analysis and business acumen to propose new and innovative solutions to improve portfolio performance.
• Oversee the development and continuous improvement of the credit risk decision engine platform, ensuring it aligns with organizational goals and regulatory requirements, with direct impact on portfolio and company P&L.
• Lead and mentor a team of developers and analysts, providing guidance on best practices, technical strategies, and professional development.
• Function as the primary liaison between Credit Risk, Operations, Legal/Compliance, IT, Product, and other business units to align decision strategies with organizational objectives.
• Evaluate and prioritize, along with Credit Risk Strategy leaders, new underwriting and remarketing strategies and policies into scalable technical designs, ensuring alignment with operational and regulatory requirements.
• Oversee testing life cycles, including User Acceptance Testing (UAT), integration and regression testing, as well as post-implementation validation, to ensure robust and error-free implementation.
• Collaborate with IT development teams to define new data needs and improve existing processes, including integration with relational and NoSQL databases, REST/SOAP web services, and other cloud-native technical enhancements.
• Direct the creation of reporting and analytical tools to monitor and enhance credit risk performance and process effectiveness.

Benefits

• Uncapped Flexible Paid Time Off.
• Paid on-the-job training and a comprehensive new hire program.
• Access to a robust learning management system, full of e-learning modules to help boost your professional and personal development.
• Performance-based career advancement.
• Educational Reimbursement Program.
• Multiple coverage choices for medical insurance, all include telemedicine and medical spending account options (HSA/FSA).
• Traditional 401(k) and Roth 401(k) Retirement plan with a generous Company match program.
• Company-Sponsored Life and AD&D Insurance.
• Basic and Enhanced Voluntary benefits including dental, vision, short-term and long-term disability plans, supplemental life and AD&D insurance, accident, critical illness, hospital indemnity, ID theft protection, legal services program, and pet insurance.
• Free access to mental health resources, life coaching, and more for you and your family members through our Employee Assistance Program.
• Free access to exclusive discounts from nationwide and local retailers through our Discount Marketplace.
• A relaxed, business casual dress code that includes jeans and sneakers!