Posting Title (External Posting) Manager, Credit Risk

LendDirect Corp.; Northern (KY); Remote; USD 120.000 - 160.000; Vollzeit

Benefits dieser Stelle

Flexible Paid Time Off

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401k with company match

Zusammenfassung

Attain Finance is hiring a Credit Risk Manager to lead risk strategies for multi-product portfolios across the U.S. and Canada. You will collaborate with operations, product, finance, and compliance to optimize portfolio performance and regulatory reporting.

The role emphasizes SQL, Python/R analytics, and data visualization tools (Tableau/Sigma/Power BI) to drive data-driven decisions. Base salary ranges and benefits are highlighted; remote work is supported in the US.

Qualifikationen

• BS or higher in a quantitative discipline
• 5+ years of professional experience in credit risk analytics
• Advanced experience in SQL, Snowflake, or relational databases
• Working knowledge in Python, R, or other analytical tools
• Experience in Tableau, Sigma, Power BI, or other data visualization tools
• Strong business acumen with ability to translate analytical efforts to business results
• Strong communication skills, both verbal and written

Aufgaben

• Design, implement, and continuously enhance credit risk strategies for assigned loan portfolios to reduce defaults, grow receivables, and improve revenue performance
• Conduct granular portfolio analysis leveraging bureau, cash flow, and internal data to identify emerging credit trends and drivers
• Forecast the financial impact of strategy changes on critical metrics including credit losses and receivables
• Support leadership in preparing materials for regulatory reviews, audits, and board reporting
• Ensure compliance with credit risk policies and maintain documentation standards
• Partner with Modeling & Scoring to deploy risk strategies informed by new models
• Develop and enhance reporting infrastructure for markets, products, and channels
• Utilize SQL and Python to build datasets for strategy analysis and model monitoring
• Communicate changes to risk factors and underwriting logic across functions
• Lead independent projects and ad hoc analyses to support strategic decisions
• May directly supervise one or more associates

Kenntnisse

SQL

Snowflake

Relational databases

Python

R

Data Visualization

Tableau

Power BI

Communication

Business Acumen

Ausbildung

B.S. or higher in quantitative field

Tools

Tableau

Sigma

Power BI

Jobbeschreibung

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.