Manager, Scoring Risk & Analytics

Attain Finance is one of the largest, fastest growing full-spectrum consumer credit lenders in the United States and Canada. Our licensed, direct lending products and heightened customer service focus are at the core of what we offer.

We have an upbeat, friendly and fast-paced environment. Our employees are excited to be a part of the Attain family, as evidenced by our low turnover rates and energized company culture. We’ve consistently grown well ahead of other loan lenders and are primed for continued growth and enduring success.

Come and work for a company that has distinguished itself from competitors with quality product offerings, genuine customer service, robust operating systems, state-of-the-art call center, and a track record of new product innovation!

At Attain Finance, managing risk is of the utmost importance to us. Our goal is to ensure we are providing access to money to underbanked consumers, while minimizing the company’s financial and regulatory risk exposure. Reporting to the Director of Risk Strategy, this team member utilizes cash flow, application, and bureau data to provide analysis across various aspects of the customer life cycle including underwriting, account management and/or collections. The incumbent will be responsible for developing, designing, analyzing, and implementing underwriting and portfolio management account risk strategies.

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. 

• 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
• May directly supervise one or more associates

• 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 open-end 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:  $115,000 - $145,000 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.

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EEO Statement