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Senior Analyst, Credit Risk Strategy

3 months ago

Carrollton, United States The Ladders Full time
Overview

Senior Analyst, Credit Risk Strategy

Carrollton, TX

The Community Choice Financial® Family of Brands is currently seeking a Senior Analyst, Credit Risk Strategy This Senior Analyst is responsible for helping design, develop, and maintain complex statistical models that support credit risk and collections for our consumer loan products. In this role, you will be required to collect & analyze large sets of data, build models, design experiments, and make recommendations to manage customer risk, maximize revenue, improve margins, and create significant value for the business.

Responsibilities

  • Organize and manipulate data from reporting and production databases for use in advanced analytics tasks.
  • Source both internal and external data sources necessary to optimize the performance of predictive models and scores.
  • Develop customer risk models utilizing both fundamental statistical techniques, as well as emerging software / technology (machine learning) when appropriate.
  • Design tests and experiments to constantly refine risk models, decision engine logic and pricing parameters.
  • Utilize advanced statistical software to develop predictive models, underwriting strategies, and pricing parameters.
  • Monitor portfolio to evaluate changes in risk models, decision engine logic and pricing parameters.
  • Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems.
  • Translate and communicate data analysis into results and develop implementation tactics. Provides consulting support to business areas around credit performance.
  • Develop credit strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions.
  • Summarize analysis and communicate information to various levels of management.
  • Maintain a full-time work schedule with regular, in-person attendance during normal business hours, at a minimum, 40 hours per week.
  • Ability to meet the physical demands for this position, which frequently include: the ability to remain in a stationary position, move about freely inside and occasionally outside of the office, and the operation of mechanical controls, such as a keyboard.
Qualifications
  • Advanced degree in a highly quantitative field (e.g., Statistics, Mathematics, Economics, Computer Science, etc.)
  • 2+ years of professional experience in decision analytics, risk modeling and/or predictive statistics
  • Proficient with the use of advanced statistical analysis software and capabilities (e.g., SAS, R, SQL programing, etc.)
  • Experience in Financial Services and Subprime Lending preferred.
  • Strong experience with data architecture, data mining and data integration
  • Ability to conduct extensive data research and handle large datasets
  • Capable of communicating and expressing ideas clearly and concisely, in both written & oral formats
  • Highly organized and detail-oriented with proven ability to multi-task
  • Capable of being objective and giving/taking constructive feedback
  • A natural proclivity for questioning assumptions and challenging orthodoxies
  • Experience in the field of computer vision and image modeling preferred
  • Experience with common programming tools such as OpenCV, PyTorch3D, Tensorflow, OpenCL, Jupyter preferred
What We Offer

Our Benefits Include*
  • Flexible Paid Time Off
  • A comprehensive new hire training program
  • Access to a robust learning management system, full of e-learning modules and training programs to help boost your professional and personal development
  • Performance-based career advancement
  • Multiple coverage choices for medical insurance, all include free telemedicine and medical spending account (HSA/FSA) options
  • Traditional 401(k) and Roth 401(k) Retirement plan with a generous Company match program
  • Company-Sponsored Life and AD&D Insurance
  • Voluntary benefits, including dental, vision, short-term and long-term disability plans, accident, critical illness, hospital confinement insurance, and even pet insurance
  • Diverse Culture and Inclusive Environment
  • A relaxed, business casual dress code that includes jeans and sneakers


*Based on current benefit offering, which is subject to change with or without notice. Certain benefits are subject to the terms and conditions of the governing plan documents which should be consulted for additional details and eligibility requirements.

Our Workplace Awards and Recognition

We are honored to be recognized as a Military Friendly Employer for 2022, 2023, and 2024, a Best Company to Work for by InHerSight, and have received designation as a Top Employer for Hispanic and Latinos by HLPA in 2023 and 2024.

About Us

The Community Choice Financial® Family of Brands ("CCF" or the "Company"), is one of the largest consumer specialty finance organizations in the U.S. We provide our Customers, Team Members, and Communities the Power of Choice with over 10 brands represented in more than 1,500 brick-and-mortar stores serving 24 states and online product offerings in 20 states. Community Choice Financial® is the parent company to brands including Cash 1®, Check Into Cash®, CheckSmart®, Easy Money®, InstaLoan®, Rapid Cash® and Speedy Cash®, TitleBucks®, and TitleMax®. We are steadfast in our commitment to help people across the country get access to the short-term financial services they need when they need it the most.

The information contained herein is not intended to be an all-inclusive list of the duties and responsibilities of the job, nor is it intended to be an all-inclusive list of the skills and abilities required to do the job. The Company may, at its discretion, revise the job description at any time, and additional functions and requirements may be assigned by supervisors as deemed appropriate. Requirements, skills, and abilities included have been determined to illustrate the minimal standards required to successfully perform the position.

Important: The Community Choice Financial® Family of Brands will never ask you for banking or other payment information at any point during the interview or hiring process, nor will we conduct an interview via text message. Any official email correspondence will come from the domains [redacted], [redacted], or [redacted] In-store positions are in-person only.

The Community Choice Financial® Family of Brands is committed to providing an inclusive workplace free of discrimination based on race, color, religion, sex, age, national origin, military status, disability, pregnancy, sexual orientation, gender identity or expression, genetic information or any other characteristic protected by applicable law. Candidates of all backgrounds are encouraged to apply. CCFI Companies, LLC is an equal-opportunity employer.