Senior Manager, Loss Forecasting

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:

• Oversee portfolio-level monitoring and governance, ensuring accurate tracking and identifying portfolio stress points. 

• Lead the development, enhancement, and execution of short-term and long-term loss forecasts across all products and segments. 

• Quantify the financial impact of underwriting policy changes, credit strategies, operational initiatives, and macroeconomic shifts. 

• Provide executive-level explanations for forecast variances, including attribution of changes to portfolio, macro, risk policy, and operational factors. 

• Partner with acquisition and underwriting teams to assess growth plan, risk appetite, pricing, and cutoff strategies based on forecasted losses and return expectations. 

• Continuously improve risk governance processes, data quality, and reporting automation to enhance transparency, consistency, and audit readiness across Risk, Finance, and IT functions. 

• Support Leadership in preparing reports and documentation for regulatory reviews and audit activities. 

• Effectively coach and support teammates to identify actionable insights, provide recommendations, and influence the business direction. 

• Directly supervise one or more credit risk professionals 

 What you should have:

• BS or higher in a quantitative discipline (Statistics, Mathematics, Computer Science, Qualitative Social Science, Operation Management, Finance, Physics) or equivalent working experience. 

• 7+ years of professional experience in consumer lending, credit risk, loss forecasting, portfolio analytics, or risk modeling. Strong knowledge in consumer lending with emphasis on risk management/analytics of consumer lending products is preferred. 

• 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 the ability to translate analytical efforts to business results. 

• Strong organizational skills and the ability to communicate effectively, both verbally and in writing. 

• Exceptional problem-solving skills and ability to work effectively both independently and in a team environment. 

Base Salary:  $145,000 - $180,000 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 #ATTAINRP

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.