Senior Risk Analyst

Overview

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!

Responsibilities

Reporting to the Director of Credit Risk, you will utilize customer loan data and provide analysis across various aspects of customer life cycle including underwriting, account management and/or collections. You will be responsible for developing, designing and implementing portfolio optimization and account risk strategies.

What you will do:

• Develop strategies to optimize branch efficiency and performance including collections strategy, application pull-through, branch optimization, capacity planning and alternative operating models.
• Implement A/B testing plans to evaluate the financial and operational impact of proposed strategies on the overall business.
• Work closely with operational leaders to devise risk policies, identify actionable insights, suggest recommendations and influence the overall direction of the business.
• Develop dashboards to monitor and analyze portfolio and segment-level performance including performance of implemented strategies.
• Summarize and present results across a wide range of business areas to the executive team.
• Become familiar with assigned markets and products for use in developing/modifying operating and collections strategies to meet business goals.

Qualifications

What you should have:

• BS/MS in a quantitative discipline (Statistics, math, qualitative social science, operation management, finance, ) or equivalent working experience
• 2+ years of experience in consumer finance or analytical experience in a related industry Experience in Financial Services with emphasis on consumer lending products
• Intermediate to advanced experience in SQL, Snowflake, SAS or Python
• Strong analytical skills and an understanding of how to utilize data to target improvements and solve problems
• Strong organization skills and the ability to communicate effectively, both verbally and in written form
• Exceptional problem-solving skills and ability to work effectively with minimal supervision 
• Comfortable working both independently and in a team environment

Base Salary: $90,000 - $135,000

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

EEO Statement

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.