Senior Credit Risk Strategy Analyst

2 months ago

Carrollton, Texas, United States Community Choice Financial Family of Brands Full time
Job Overview

Position Title: Senior Analyst, Credit Risk Strategy

Company: Community Choice Financial Family of Brands

Location: Carrollton, TX

The Community Choice Financial Family of Brands is seeking a dedicated Senior Analyst specializing in Credit Risk Strategy. This role is pivotal in the design, development, and maintenance of sophisticated statistical models that underpin credit risk and collections for consumer loan offerings. The successful candidate will engage in the collection and analysis of extensive data sets, model construction, experimental design, and strategic recommendations aimed at managing customer risk, enhancing revenue, improving profit margins, and delivering substantial value to the organization.


Key Responsibilities:

  • Organize and manipulate data sourced from reporting and production databases for advanced analytical tasks.
  • Identify and source both internal and external data necessary to enhance the performance of predictive models and scoring systems.
  • Develop customer risk models using fundamental statistical techniques and emerging technologies, including machine learning when applicable.
  • Design and implement tests and experiments to continually refine risk models, decision-making logic, and pricing strategies.
  • Utilize advanced statistical software to create predictive models, underwriting strategies, and pricing frameworks.
  • Monitor the portfolio to assess changes in risk models, decision-making logic, and pricing strategies.
  • Bring innovative and creative thinking to problem-solving and make strategic recommendations.
  • Translate data analysis into actionable insights and develop implementation strategies, providing consulting support to various business areas regarding credit performance.
  • Formulate credit strategies aimed at enhancing credit performance through data utilization, machine learning models, and advanced analytical tools to optimize risk decisions.
  • Summarize analytical findings and communicate insights to different management levels.
  • Maintain a full-time work schedule with regular attendance during standard business hours, committing to a minimum of 40 hours per week.
  • Meet the physical demands of the position, which include remaining stationary, moving freely within the office, and operating mechanical controls such as a keyboard.

Qualifications:

  • Advanced degree in a quantitative discipline (e.g., Statistics, Mathematics, Economics, Computer Science).
  • Minimum of 2 years of professional experience in decision analytics, risk modeling, or predictive statistics.
  • Proficient in advanced statistical analysis software and tools (e.g., SAS, R, SQL programming).
  • Experience in Financial Services and Subprime Lending is preferred.
  • Strong background in data architecture, data mining, and data integration.
  • Ability to conduct extensive data research and manage large datasets effectively.
  • Excellent communication skills, capable of articulating ideas clearly in both written and verbal formats.
  • Highly organized and detail-oriented with proven multitasking abilities.
  • Open to giving and receiving constructive feedback.
  • Curious mindset with a tendency to question assumptions and challenge traditional approaches.
  • Experience in computer vision and image modeling is a plus.
  • Familiarity with programming tools such as OpenCV, PyTorch3D, Tensorflow, OpenCL, and Jupyter is preferred.

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