Responsibilities
- Develop and enhance risk strategies for the assigned loan portfolio, leveraging permission-based open banking/cash flow data to optimize performance, reducing defaults, increasing receivables, and driving revenue growth
- Design and implement end-to-end loan application workflows that incorporate bank data opt in as opportunity to increase originations volume while maintaining robust credit and loss controls
- Leverage cash flow to automate ID/Income verification, minimizing manual reviews and improving operational efficiency
- Extract effective risk signal or payment pattern from bank transaction data to help managing risk, encouraging responsible consumer borrowing activities
- Perform proactive portfolio analysis at a granular level using cash flow, bureau, and other relevant data sources to identify emerging credit trends, conduct root-cause analyses, and isolate key performance drivers
- 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
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- 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. Hands on experience using bank transaction/cash flow data. 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 - $190,000 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
