Manager, Risk Strategy

FTL Finance; Saint Charles (MO); Hybrid; USD 136,752 - 232,880; Full time

Benefits offered by this job

Annual company parties

Growth and development opportunities

Hybrid work arrangement

401(K) plan with company match

Job summary

A finance company seeks a Manager, Risk Strategy to enhance risk standards and oversee underwriting operations in a dynamic environment. The role emphasizes analytical expertise and leadership in consumer lending, focusing on contractor risk and portfolio management. Ideal candidates will have 4+ years of relevant experience and technical proficiency in SQL and Tableau. The position offers a competitive salary and a hybrid work schedule with benefits including a 401(K) plan.

Qualifications

• 4+ years of experience in an analytically driven role.
• Experience in consumer lending or risk management preferred.
• Proven expertise in risk assessment and underwriting.

Responsibilities

• Own and evolve contractor and customer risk standards.
• Lead, coach, and develop the underwriting team.
• Monitor portfolio risk signals for proactive decisions.
• Build and refine risk-based pricing models.
• Lead process improvements and automation efforts.

Skills

Analytically driven experience

Strong analytical skills

Critical thinking

Communication skills

Process improvement mindset

Technical proficiency in SQL

Experience in risk management

Experience in consumer lending

Tools

SQL

Tableau

Job description

Manager, Risk Strategy – FTL Finance

Position to strengthen FTL’s risk standards, oversee underwriting operations, and ensure portfolio performance supports company growth and profitability. As FTL expands beyond HVAC financing into a broader range of home improvement projects, this role offers a unique opportunity to apply analytical and leadership expertise in a specialized consumer finance environment.

What You’ll Do:

• Own and evolve contractor and customer risk standards—ensuring only ethical, financially sound contractors are enrolled and customers are properly vetted.
• Lead, coach, and develop the underwriting team, driving consistent, high‑quality decisions on credit and contractor approval.
• Set and maintain underwriting policies that balance growth goals with prudent risk management.
• Monitor real‑time portfolio risk signals, making proactive decisions to protect portfolio integrity.
• Build and refine risk‑based pricing models, delivering clear insights on credit risk, profitability, and competitive positioning.
• Provide executive‑level reporting and recommendations, including portfolio analytics, pricing performance, and scenario modeling.
• Lead process improvements and automation efforts—evaluating and integrating new data sources—to enhance efficiency, strengthen underwriting models, reduce risk, and support long‑term growth.
• Assist with special projects and other duties as assigned.

What You’ll Bring:

• 4+ years of experience in an analytically driven role (finance, risk, consulting, or analytics).
• Experience in consumer lending, home improvement financing, or contractor/vendor risk management strongly preferred.
• Strong analytical and critical thinking skills with intellectual curiosity.
• Proven expertise in risk assessment, underwriting, or portfolio/pricing analysis.
• Familiarity with competitive benchmarking, risk‑based pricing strategies, and credit performance metrics.
• Excellent communication skills with the ability to influence across organizational levels.
• Strong process improvement mindset with experience in automation initiatives.
• Highly coachable, detail‑oriented, and self‑motivated.
• Technical proficiency: SQL and Tableau (or similar BI tools).

What You’ll Get:

• A dynamic, fast‑paced, fun and inclusive work environment (with always‑stocked snacks and beverages).
• Annual company parties and fun team events.
• Growth and development opportunities.
• Hybrid work arrangement (3 days in‑office/2 days remote).
• Monthly team celebrations and luncheons.
• Excellent offerings under our group benefit plans for medical, dental, vision, FSA, etc.
• 401(K) plan with a company match of up to 4%.

Location: O’Fallon, MO

Salary: $136,752.00 – $232,880.00 annually