Credit Risk Manager

Atlanticus; Atlanta (GA); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Generous PTO

401(k) with company match

Employee stock purchase plan

Ongoing training (lunch & learns)

Team volunteer outings

Job summary

Atlanticus in Atlanta is seeking a seasoned Credit Risk Analyst to evaluate data sources, develop underwriting strategies, and monitor risk with statistical methods. You’ll collaborate with Analytics, Risk, and Business Development to deliver timely insights and client-ready solutions.

Bachelor’s degree with 5+ years in credit card risk is required; proficiency in SAS/SQL with Tableau, Python or R, and strong written and verbal communication are essential.

Qualifications

• Bachelor’s degree in a relevant field.
• 5+ years of Credit Card Industry experience.
• Strong knowledge of credit scoring, underwriting, and risk management.
• Proficiency with SAS/SQL and analytical tools to generate reports and analyses.

Responsibilities

• Deliver profitable growth through development of new credit strategies and optimization of existing ones.
• Develop and monitor KPI dashboards and loss forecasting models.
• Collaborate with Risk, Marketing, and Development teams to drive high-impact projects.
• Communicate strategies and results to management and stakeholders.

Skills

Credit scoring

Underwriting

Credit risk management

Data analysis

Education

Bachelor’s degree

Tools

SAS/SQL

Python

R

Tableau

Job description

Job Details: Job Location: Atlanta, GA 30328

When you join Atlanticus, you become a member of a fast‑growing, mission‑focused company that is committed to aid in meeting the financial needs of middle‑class Americans. With a culture of collaboration and a one‑team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well‑being.

Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general‑purpose credit cards marketed through our omnichannel platform, including retail point‑of‑sale, healthcare point‑of‑care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non‑prime financial organizations with multiple financing and service programmes.

Office Location

Atlanta, GA – Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I‑285, GA‑400, and a free shuttle to MARTA.

Work Culture

We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact.

The Role

What a day looks like:

• Evaluate new data and partner data sources for underwriting and line assignment strategies using statistical analysis techniques such as CHAID Decision Trees, optimization procedures, loss forecasting, enhanced process monitoring, data quality analyses, and incorporate score implementations supporting launch.
• Develop and monitor customized manual underwriting process.
• Work with Segment / Strategic Analytics / Decision Science staff to ensure project completion within agreed time frames and end‑client satisfaction.
• Analyze, validate, track, and monitor delivered projects.
• Interact with Business Development and/or Client Management to discuss new opportunities and/or changes to client portfolio.

Primary Responsibilities

• Deliver profitable growth through the development of new strategies and the optimization of existing strategies through the assessment of credit risk and P&L drivers.
• Develop and maintain Key Performance Indicators (KPI).
• Develop strategies focusing on growth, profitability, and competitive success while catering to needs of the consumer.
• Apply knowledge of credit card regulations in the development, implementation, and monitoring of credit strategies.
• Perform ad‑hoc and recurrent credit risk analytical work.
• Collaborate and partner across the business (Risk, Marketing, Business Development) to drive highly visible and impactful projects.
• Communicate strategies to management and other stakeholders.

You’re a great fit if you have:

• Bachelor’s degree and 5+ years of Credit Card Industry experience.
• Fundamental knowledge of credit scoring, underwriting, and credit risk management.
• Familiar with a wide variety of credit card industry concepts, practices, and metrics across credit policy, credit risk, and loss forecasting.
• Extensive experience working hands‑on with SAS/SQL or equivalent to independently write queries to generate reports and perform ad‑hoc analyses.
• Proficiency in analytical or reporting tools such as SAS, R, Python, or Tableau.
• Excellent written and verbal communication skills.

Benefits

• Generous PTO and holiday schedule.
• 401(k) with company match.
• Employee stock purchase plan.
• Ongoing training (lunch & learns, financial and health webinars).
• Team volunteer outings.

Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.