Manager Credit Risk

Regional Finance (Regional Management Corp.); Plano (TX); On-site; USD 110,000 - 150,000; Full time

Job summary

Regional Management Corp. in Plano, TX is seeking a Manager, Credit Risk to lead performance analysis, forecasting, and reporting for the Risk Management unit.

You will leverage advanced data techniques to support credit risk decisions and drive profitability. The role requires a Master’s degree and 5+ years in consumer finance or risk analytics, strong SAS/SQL skills, and the ability to explain complex analyses to executives.

Qualifications

• Master’s degree in Statistics, Data Analytics, Economics, Math, or similar.
• 5+ years of consumer finance or risk analytics experience.
• Experience in data mining, modeling and SAS.
• Advanced SAS and SQL programming.
• MS Office proficiency (Excel, Access, Outlook).
• Must pass drug screen, criminal and credit background checks.

Responsibilities

• Mine and analyze large datasets to optimize credit risk and marketing campaign performance using predictive modeling techniques.
• Validate and monitor performance of custom score models.
• Develop and support models and reporting for customer approval, pricing and profitability.
• Forecast marketing campaign performance and compare actuals to forecasts.
• Conduct ad-hoc research projects and present findings to stakeholders.
• Collaborate with stakeholders to translate questions into analyses using SAS and deliver actionable recommendations.

Skills

Data mining

Statistical analysis

Communication

Forecasting

Problem-solving

Education

Master’s degree in Statistics or related field

Tools

SAS

SQL

MS Office

Job description

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.

We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.

If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!

Job Purpose

The Manager, Credit Risk is responsible for performance analysis, operational reporting, and business unit support for the Risk Management organization within Regional Management. This position will utilize advanced skills to analyze data, portfolio level performance trends, custom scorecard analysis, and forecasting skills to support credit risk functions.

Duties And Responsibilities

• Mines, models, analyzes large datasets, and utilizes predictive modeling techniques with an emphasis on optimizing credit risk and marketing campaign performance using the following predictive modeling techniques: linear/logistic regression, factor analysis, decision trees, clustering, segmentation, etc.
• Quantitative analysis of custom score models including validation, ongoing performance monitoring, and documentation.
• Develops and supports complex models, analysis, and reporting related to customer approval, pricing and profitability.
• Forecasts performance of marketing campaigns and tracks actual campaign performance versus the forecast.
• Conducts ad‑hoc research projects incorporating project design, data collection and analysis, summarization of findings, and presentation of results.
• Handles data while utilizing interpretive and problem‑solving skills with the ability to process large volume of transaction level data and efficiently derive actionable results.
• Interacts with stakeholders to understand their business questions, crafting methodology to mine/analyze datasets utilizing SAS and ultimately delivers a final insightful recommendation to stakeholders.

Minimum Qualifications

• Master’s degree in Statistics, Data Analytics, Economics, Math, or similar.
• 5+ years of consumer finance, risk analytics, or relevant experience.
• Experience in data mining, modeling and analyzing analytic findings using SAS.
• Advanced programming skills in SAS and SQL.
• Moderate to Expert level skills in Microsoft Office Suite (Excel, Access, Outlook a must).
• Must pass drug screen, criminal and credit background checks.

Preferred Qualifications

• Experience in Financial Services with consumer credit data utilizing SAS.
• Experience analyzing marketing data in a financial environment.
• Experience developing risk models for a financial institution.

Critical Competencies

• Excellent oral and written communication skills – especially the ability to explain complex analyses in easily understood terms.
• Excellent organizational skills with the ability to prioritize and handle multiple tasks and responsibilities simultaneously.
• Utilize appropriate analysis, judgment and logic when solving problems and making decisions.
• Demonstrated ability to apply complex financial and statistical principles.
• Effective written and verbal presentation skills; able to communicate well with Senior and Executive Management.
• Innovative problem solving, quantitative and analytical abilities.
• Detail-oriented.
• Able to work with minimal supervision.
• Flexible, proactive working style.
• Adaptive to a team environment.

If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: https://regionalfinance.com/wp-content/uploads/2022/11/UPDATED-Employee-Privacy-Policy-11.2022.pdf

Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law (“Protected Characteristics”). Regional’s policy of non‑discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.