Sr Credit Risk Analyst

CCFI Companies, LLC; United States; Remote; USD 80,000 - 120,000; Full time

Job summary

A leading financial services company is seeking a Senior Credit Risk Analyst to enhance credit performance through advanced analytics and statistical modeling. This remote position offers opportunities for significant professional growth and involvement in critical decision-making processes within the company.

Benefits

Uncapped Flexible Paid Time Off

Comprehensive New Hire Training Program

Access to Learning Management System

Professional Development and Mentor Programs

Multiple Coverage Levels for Medical, Dental, & Vision

401(k) with Company Match

Performance-based Career Advancement

Qualifications

• 3+ years’ experience in predictive modeling and decision analytics.
• Fluency in SQL, SAS, R, or Python.
• Experience in the financial services industry is a plus.

Responsibilities

• Develop credit strategies and conduct portfolio reviews.
• Utilize advanced data mining tools for loan data analysis.
• Design executive dashboards and performance reports.

Skills

Data Analysis

Statistical Modeling

Problem Solving

Attention to Detail

Data Mining

Education

Master’s Degree in Statistics, Mathematics, Management Science, or Economics

Tools

SQL

Python

R

Power BI

Tableau

Job description

Overview

Senior Credit Risk Analyst

Remote (Texas, Georgia, or Ohio)

Position Summary

The Senior Credit Risk Analyst is responsible for identifying business challenges and opportunities within credit risk, utilizing data-driven analysis of consumer, collateral, and transaction data to deliver strategic and tactical recommendations. The analyst will apply advanced statistical modeling and machine learning techniques to assess and quantify credit risk. This role directly contributes to the company's bottom line and offers significant opportunities for professional growth.

Responsibilities

• Develop credit strategies to improve credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions.
• Conduct thorough portfolio reviews, monitor credit risk exposure, and provide recommendations for risk mitigation strategies and process improvements.
• Design and oversee the creation of executive dashboards, performance reports, and data visualizations to highlight key trends and areas for improvement. Manage a diverse reporting function across origination, pricing, repossession, and collections.
• Partner with internal team of predictive modelers to develop analytical models to analyze credit performance of borrowers (payment delinquency, default patterns, profitability), and design implementation strategies for these models.
• Utilize advanced data mining tools (SQL, Python, R) to extract and analyze consumer loan data across multiple environments, providing insights to guide credit risk decisions.
• Champion improvements in performance by connecting future consumer credit trends to historical behavior, leveraging risk models based on consumer, collateral, and loan data.
• Perform in-depth analytics at the product and segment levels to evaluate existing product performance and support the development of new product policies and pricing strategies.
• Develop and manage strategies to optimize recovery & remarketing of delinquent loans.

Qualifications

• Master’s degree in quantitative discipline such as statistics, mathematics, management science, economics or equivalent.
• 3+ years’ experience in predictive modeling, decision analytics, data science, or related work. Passionate about translating complex data into actionable strategy.
• Experience in the financial services industry, with a focus on credit risk analysis is a PLUS.
• Proficient in handling Large Datasets, working with Data Processing Frameworks, and building reliable Data Pipelines.
• Hands-on experience in data manipulation, mining, and web analytics.
• Excellent problem-solving skills with the ability to think analytically and critically.
• Strong attention to detail and accuracy in data analysis and reporting.
• Self-motivated and able to work independently as well as collaboratively in a team environment.
• Fluency in two of the following: SQL, SAS, R, or Python.
• Proficiency in Power BI/Tableau.

What We Offer

Our Benefits Include*

• Uncapped Flexible Paid Time Off

• A comprehensive new hire training program designed to help set you up for success

• Access to a robust learning management system, full of e-learning modules and training programs to help boost your professional and personal development

• Professional Development and Mentor Programs plus Ongoing Training Resources

• Multiple coverage levels for Medical, Dental, & Vision

• Group Health & Wellness Program, plus special savings on retail items, travel, and entertainment

• Traditional 401(k) and Roth 401(k) with Company match

• Options for Flexible Spending Accounts and Health Savings Accounts

• Basic and AD&D Life Insurance

• Optional pet insurance

• Voluntary benefits, including short-term and long-term disability insurance, accident, critical illness, and hospital confinement insurance

• Performance-based career advancement

*Based on current benefit offering, which is subject to change with or without notice. Certain benefits are subject to the terms and conditions of the governing plan documents which should be consulted for additional details and eligibility requirements.

Our Commitment to Diversity, Inclusion & Belonging

Diversity at the Community Choice Financial Family of Brands is one of the driving forces behind our Company’s success and we are committed to hiring, developing, and retaining talent of various backgrounds who demonstrate our shared values. We have worked to create a welcoming and inclusive environment where Team Members can collaborate freely to help spark innovation, drive creativity, advance their skillset, and move their career forward. Our commitment to diversity isn’t just about the work we accomplish; it’s about fostering a sense of belonging where talented Team Members can bring their whole selves to work to help maximize their full potential.

Our Workplace Awards and Recognition

We are honored to be recognized as a Military Friendly Employer for 2021, 2022, and 2023, a Best Company to Work for by InHerSight, and have received designation as a Top Employer for Hispanic and Latinos by HLPA in 2022 and 2023.

About Us

Community Choice Financial Family of Brands ("CCF") is a leading retailer of financial services to unbanked and underbanked consumers. CFF is the parent company to eleven brands including TitleMax, TitleBucks, InstaLoan Check Into Cash, Cash 1, Check Smart, Easy Money, Rapid Cash, and Speedy Cash. With more than 1,700 retail storefronts and several online products available in 20+ states, CCF is steadfast in our commitment to help people across the country get access to the short-term financial services they need when they need it the most.

The information contained herein is not intended to be an all-inclusive list of the duties and responsibilities of the job, nor is it intended to be an all-inclusive list of the skills and abilities required to do the job. The Company may, at its discretion, revise the job description at any time, and additional functions and requirements may be assigned by supervisors as deemed appropriate. Requirements, skills and abilities included have been determined to illustrate the minimal standards required to successfully perform the position.

Important: The Community Choice Financial Family of Brands will never ask you for banking or other payment information at any point during the interview or hiring process, nor will we conduct an interview via text message. Any official email correspondence will come from the domains @ccfi.com, @titlemax.com or @titlemax.biz. In-store positions are in-person only, remote options not available.

The Community Choice Financial Family of Brands is committed to providing an inclusive workplace free of discrimination based on race, color, religion, sex, age, national origin, military status, disability, pregnancy, sexual orientation, gender identity or expression, genetic information or any other characteristic protected by applicable law. Candidates of all background are encouraged to apply. CCFI Companies, LLC is an equal opportunity employer.