Manager, Credit Risk

AttainFinance; United States; Remote; USD 120,000 - 160,000; Full time

Benefits offered by this job

Flexible PTO

Medical Insurance

Vision Insurance

Dental Insurance

Life Insurance

401k with company match

Job summary

Attain Finance, a leading consumer credit lender in the United States and Canada, seeks a Credit Risk Manager to design and implement credit risk strategies across multiple loan products. You will serve as the subject matter expert on risk decisioning, partnering with operations, product, finance, and compliance teams.

The role offers a base salary of $120,000-$160,000 USD, a comprehensive benefits package, and a remote-friendly environment.

Qualifications

• BS or higher in a quantitative discipline (Statistics, mathematics, finance, etc.) or equivalent experience.
• 5+ years of professional credit risk analytics experience in financial services.
• Advanced experience with SQL, Snowflake, or relational databases.
• Working knowledge of Python, R, or similar tools.
• Experience with Tableau, Sigma, Power BI, or other visualization tools.

Responsibilities

• Design, implement, and refine credit risk strategies to reduce defaults and improve revenue across loan products.
• Conduct granular portfolio analysis using bureau, cash flow, and internal data to identify trends and drivers.
• Forecast financial impact of risk strategies on key metrics like losses and receivables.
• Support regulatory materials, audits, and board reporting.
• Ensure policy compliance and proper risk documentation.

Skills

SQL

Snowflake

Relational databases

Python

R

Tableau

Power BI

Sigma

Education

BS or higher in quantitative discipline

Tools

SQL

Snowflake

Job description

Overview

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Our deep roots in the financial industry have empowered us to develop convenient, easily accessible financial services that meet our customers' growing needs.

Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued. Our portfolio includes distinguished brands like Cash Money®, LendDirect® and Heights Finance. Each brand is constantly evolving to better serve our customers.

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.

Responsibilities

The Credit Risk Manageris responsible fordeveloping and executing credit risk strategies thatoptimize portfolio performance across multiple loan products. This role servesas the primary subject matter expert on credit decisioning processes, partnering with stakeholders across operation, product,financeand compliance teams

• Design, implement, and continuously enhance credit risk strategies for assigned loan portfolios to reduce defaults, grow receivables, and improve revenue performance

• Conduct granular portfolio analysisleveragingbureau, cash flow, andinternal behavior datatoidentifyemerging credit trends, perform root-cause analysis, and isolate key performance drivers

• Forecast thefinancial impactof strategy changes on critical business metrics including credit lossesand receivable

• Support leadership in preparing materials for regulatory reviews, audits, and board-level reporting

• Ensure compliance with credit risk policies andmaintaindocumentation standards across all risk activities

• Partner with the Modeling & Scoring team to deploy risk strategies informed by new and updated models, improving deployment effectiveness andstrategyperformance monitoring

• Develop and enhance reporting infrastructure for assigned markets, products, and channels, includingapplication and bookeddatasetsand performance tracking dashboards

• Utilize relational databases and analytical tools (e.g., SQL, Python) to build datasets for strategy analysis and model monitoring

• Clearly communicate changes to risk factors and underwriting logic to ensure alignment across functions

• Lead independent projects and deliver ad hoc analysis to support strategic business decisions

• May directly supervise one or more associates

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. Strong knowledge in Financial Services with emphasis on risk management/analyticsof loan or card product

• Advanced experience in SQL,SnowFlake, or relational databases

• Working knowledge in Python, 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 toutilizedata to target improvements, solve problems, andprovidedata-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: $120,000 - $160,000 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 #remote

EEO Statement

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. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works.

Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end in @attainfinance.com, @heightsfinance.com, @lenddirect.com, and @cashmoney.ca.