Posting Title (External Posting) Senior Manager, Credit Risk

LendDirect Corp.; Northern (KY); Hybrid; USD 150,000 - 210,000; Full time

Benefits offered by this job

Flexible PTO

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401k with company match

Job summary

Attain Finance currently seeks a senior credit risk analytics professional to lead risk strategies across consumer lending portfolios. You will analyze performance data, design risk appetite frameworks, and drive data-driven improvements while partnering with cross-functional teams on model deployments.

The role requires strong SQL, Python, and visualization skills, with opportunities to influence underwriting and portfolio performance across multiple brands.

Qualifications

• BS or higher in a quantitative discipline or equivalent experience.
• 5+ years of professional credit risk analytics experience.
• Advanced SQL, Snowflake, or relational databases.
• Experience with Python, SAS, or R.
• Experience with Tableau/Power BI/Sigma for data visualization.

Responsibilities

• Develop credit risk strategies and enhancements for loan portfolio.
• Design and monitor credit risk appetite and thresholds.
• Analyze portfolio performance using bureau, cash flow, and transactional data.
• Conduct A/B tests to reduce risk and improve profitability.
• Lead projects and provide ad hoc analyses.
• Support regulatory reports and audits.
• Collaborate with Modeling/Scoring team to deploy new risk models.
• Develop and monitor reporting for markets, products, and channels.
• Forecast impact of strategy changes on revenues and losses.
• Coach teammates and supervise risk professionals.

Skills

SQL

Snowflake

Relational databases

Python

SAS

R

Tableau

Power BI

Sigma

Data visualization

Analytical thinking

Education

BS or higher in a quantitative discipline

Tools

Sigma

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.

Be part of a dynamic team that is shaping the future of consumer finance. Apply today and take the next step in your career with Attain Finance!

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

• Develop credit risk strategies and enhancements for the assigned loan portfolio to improve performance (reduced defaults, increased receivables and/or revenue)
• Provide design and monitoring for credit risk oversight framework including development of credit risk appetite, risk metrics thresholds, and limits
• Proactively analyze portfolio performance at the granular level using bureau data, cash flow data, and transactional data to identify emerging credit trends and conduct root-cause analysis and isolate key performance drivers
• Conduct A/B tests to reduce credit risk, improve customer experience, and optimize profitability on acquisition initiatives
• Lead projects independently and perform ad hoc analysis as needed
• Operate as the subject matter expert in credit decision processes to support cross-functional teams and partner with stakeholders to ensure understanding of changes to risk factors and the underwriting/ credit decisioning flow
• Support Leadership in preparing reports and documentation for regulatory reviews and audit activities
• Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment process
• Develop and enhance the reporting structure for assigned markets/products and channels. This includes developing/modifying scoring datasets/warehouse and developing monitoring reports for use in performance tracking.
• Utilize relational database and/or analytical programs to create data for analysis and monitoring of strategies and models
• Forecast impact of strategy changes on key business performance metrics such as revenues, balances and losses
• Effectively coach and support teammates to identify actionable insights, suggest recommendations, and influence the direction of the business
• Directly supervise one or more credit risk professionals

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/analytics of consumer lending products
• Advanced experience in SQL, Snowflake, or relational databases
• Working knowledge in Python, SAS,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 to utilize data to target improvements, solve problems, and provide data-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: $150,000 - $210,000 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.