Senior Risk Analyst

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.

• Ability to develop underwriting strategies for the assigned loan portfolio as evidenced from improved performance (reduced defaults, increased receivables and/or revenue) and achieving desired business objectives
• Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment
• Develop dashboards to monitor and analyze portfolio and segment-level performance including performance of implemented strategies
• Build and automate complex queries across database and create dynamic reports to enhance credit risk insights
• Understand the data environment and be able to investigate issues to appropriately prioritize and set expectations for key reporting and analytical priorities
• Coaches and mentors other analysts and acts as a thought leader within the analyst community
• Work closely with internal groups to devise risk policies. Identify actionable insights, suggest recommendations, and influence the direction of the business by effectively communicating results to cross functional groups
• Become familiar with assigned markets and products for use in developing/modifying underwriting strategies to meet business goals
• Successfully manage multiple projects and timeline

• BS/MS in a quantitative discipline (Statistics, math, qualitative social science, operation management, finance, ) or equivalent working experience
• 4+ years of experience in credit risk or analytical experience in a related industry. Experience in Financial Services with emphasis on risk management/scoring of consumer lending products
• Familiarity with data from credit bureaus and third-party data providers
• Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and tell a story
• Strong organization skills and the ability to communicate effectively, both verbally and written
• Exceptional problem-solving skills and ability to work effectively with minimal supervision
• Comfortable working both independently and in a team environment
• High proficiency with any of SQL/Snowflake/SAS
• Knowledge of Python or R is a plus
• Experience with A/B testing and data visualization (Sigma, Tableau) is a plus
• Familiarity with statistical modeling techniques
• Experience in Canadian consumer lending market is a plus

Base Salary:  $90,000 - $140,000 CAD

#Remote #AttainFinance 

Attain Finance Supports Equal Employment Opportunity. CURO (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. 

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 @attainfinance.com,  @curo.com, @first-heritage.com, @heightsfinance.com, and @cashmoney.ca.