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Manager, Credit Risk Portfolio

2 months ago

Plano, United States Regional Management Corp. Full time

Are you ready to take your career to the next level? Regional strives to positively impact the financial lives of our customers.

For over 35 years, our Team Members have been passionate about supporting customers through their financial challenges in life. They take pleasure in finding solutions and lending a helping hand, both to our customers and our communities. As we continue to grow and become a national brand in consumer financing, we hope you'll consider us for future career opportunities.

If you are looking to make a meaningful impact in people's lives by bringing a personal touch to finances, join our team today

Job Purpose

The Manager, Credit Risk is responsible for Portfolio analytics, CECL/Reserve/Capital modeling, business performance reporting/initiatives, and business unit support for the Risk Management organization within Regional Management. This position will utilize advance skills to develop strategies to drive growth in our consumer portfolios that are within RM's risk targets. The Manager will deliver thorough and analytically derived recommendations driven from detailed understanding of risk and reward dynamics across RM's lending products.

Duties and Responsibilities

  • Key member and Risk representative/technical expert in Loan Loss Reserve/CECL, capital-modeling process. Interface with accounting, finance, and external counterparts.
  • Day-to-day duties include data analysis, monitoring and forecasting, creating the logic for and implementing risk rules and strategies and communicating with stakeholders to ensure we deliver the best possible customer experience while meeting loss rate targets.
  • Proactively monitor credit exposure, and provide recommendations and approvals to breaches in the credit process
  • Leverage credit risk data experience and business acumen to observe key trends / threats / inaccuracies and drivers of those observations.
  • Identify areas of opportunity and spearhead initiatives in order to enable profitable growth while minimizing credit risk exposure.
  • Identify business opportunities for growing the portfolio based on product level vintage performance.
  • Run credit tests to optimize risk strategies, balancing risk, and return.
  • Mine, model, analyze large datasets, and utilize predictive modeling techniques with an emphasis on optimizing credit risk and marketing campaign performance using the following predictive modeling techniques: linear/logistic regression, factor analysis, decision trees, clustering, segmentation, etc.
  • Quantitative analysis of custom score models including, validation, ongoing- performance monitoring, and documentation.
  • Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of findings, and presentation of results.
  • Handle data while utilizing interpretive and problem solving skills with the ability to process large volume of transaction level data and efficiently derive actionable results.
  • Interact with stakeholders to understand their business questions, crafting the methodology, to mine/analyze datasets utilizing SAS/R/Python and ultimately delivers a final insightful recommendation to stakeholders.

Minimum Qualifications

  • Bachelor's degree in Statistics, Data Analytics, Economics, Math, or similar
  • 4+ years of consumer finance, risk analytics, or relevant experience
  • Experience in data mining, modeling, and analyzing analytic findings using SAS/R/Python.
  • Advanced programming skills in SAS/R/Python and SQL.
  • Moderate to Expert level skills in Microsoft Office Suite (Excel, Access, and Outlook a must)
  • Must pass pre-employment screenings.

Preferred Qualifications

  • Experience in Financial Services with consumer credit data utilizing SAS/R/Python.
  • Experience analyzing credit vintage loss data in a financial environment.
  • Experience developing loss forecasting and reserve models for a financial institution.

Critical Competencies

  • Excellent oral and written communication skills; especially the ability to explain complex analyses in easily understood terms.
  • Excellent organizational skills with the ability to prioritize and handle multiple tasks and responsibilities simultaneously.
  • Utilize appropriate analysis, judgment and logic when solving problems and making decisions.
  • Demonstrated ability to apply complex financial and statistical principles.
  • Effective written and verbal presentation skills; able to communicate well with Senior and Executive Management.
  • Innovative problem solving, quantitative and analytical abilities.
  • Detail-oriented.
  • Able to work with minimal supervision.
  • Flexible, proactive working style.
  • Adaptive to a team environment.

Working Conditions

This position works in an office environment.

Direct Reports

0-2 direct reports.

Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law ("Protected Characteristics"). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.