Senior Risk Management Specialist

4 weeks ago


San Francisco, California, United States Tbwa ChiatDay Inc Full time
About the Role

We are seeking a highly skilled and experienced Director, Credit Risk & Analytics to join our innovative and fast-growing Flex Pay team at Upgrade, a leading fintech company specializing in consumer finance. In this position, you will play a pivotal role in risk assessment of applicants and ensuring responsible lending practices. Your insights and recommendations will directly influence our ability to provide accessible and fair financial solutions to our customers.

Key Responsibilities
  • Design and implement strategies and analytical frameworks to evaluate applicant risk using various financial data sources and proprietary scoring models.
  • Own underwriting policy changes end to end, including business intent definition, collaboration with engineering/product teams to implement and monitor the business intent, and performance monitoring.
  • Ensure compliance with regulatory requirements and internal policies throughout the underwriting process.
  • Document and automate analytical frameworks and processes to reduce onboarding times for new team members as we grow.
  • Collaborate with other departments, including Sales, Engineering, Product, Operations, Finance, and Legal, to streamline processes and enhance customer experience.
  • Monitor loan portfolio performance and conduct periodic reviews to manage risk exposure effectively.
  • Develop and manage periodic reporting templates to Senior Management and Upgrade Lending Partners.
  • Monitor performance and profile at a merchant level to drive insights and decisions around merchant pricing and underwriting policy.
Requirements
  • Bachelor's degree in Finance, Economics, Business Administration, Statistics, Computer Science, or a related field.
  • 5+ years of proven experience in Analytics domain in an at-scale technology, start-up, or high-growth company, preferably in short to mid-duration installment loans in Retail sector.
  • Strong analytical skills with the ability to interpret and visualize complex data and draw meaningful conclusions.
  • Meticulous attention to detail in reviewing documentation and assessing credit risk.
  • Familiarity with credit risk management principles, regulatory requirements, and industry best practices.
  • Knowledge and experience in statistical procedures, decision trees, and financial analysis tools.
  • Excellent verbal and written communication skills to effectively convey credit decisions and recommendations.
  • Ability to thrive in a fast-paced environment and manage multiple priorities effectively.
  • Working knowledge in SQL and R/Python required, Tableau preferred. Comfortable working with Microsoft Office Suite. Experience exploring new tools and methodologies to solve real-world problems.
What We Offer
  • Competitive salary and stock option plan.
  • 100% paid coverage of medical, dental, and vision insurance.
  • Flexible PTO.
  • Opportunities for professional growth and development.
  • Paid parental leave.
  • Health and wellness initiatives.

The compensation range of this position in San Francisco, CA is USD $180,000 - $220,000 annually plus bonus, equity, and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.



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