Sr. Risk Manager, Cash Flow Underwriting

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®, Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit. 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!

 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.  

What you will be doing:

• Develop and enhance risk strategies for the assigned loan portfolio, leveraging permission-based open banking/cash flow data to optimize performance, reducing defaults, increasing receivables, and driving revenue growth
• Design and implement end-to-end loan application workflows that incorporate bank data opt in as opportunity to increase originations volume while maintaining robust credit and loss controls
• Leverage cash flow to automate ID/Income verification, minimizing manual reviews and improving operational efficiency
• Extract effective risk signal or payment pattern from bank transaction data to help managing risk, encouraging responsible consumer borrowing activities
• Perform proactive portfolio analysis at a granular level using cash flow, bureau, and other relevant data sources to identify emerging credit trends, conduct root-cause analyses, and isolate key performance drivers
• 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

 What you should have:

• 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. Hands on experience using bank transaction/cash flow data. 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:  $140,000 - $185,000 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 

Attain Finance Supports Equal Employment Opportunity. CURO (dba Cash Money®, LendDirect®, Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit) 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 @attainfinace.com,  @curo.com, @first-heritage.com, @heightsfinance.com, and @cashmoney.ca.