Senior Risk Management Analyst

2 weeks ago

Nottingham, MD, United States Mariner Finance Full time
Senior Risk Management Analyst -

Credit Strategy

FLSA Status
Exempt

Schedule:

Work hours will depend on the business hours of the time zone serviced.

To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs.

In This Role, You Will:

Lead and support the Risk department in developing and achieving department goals. Work closely with senior management to develop and execute underwriting strategies to support various Mariner Finance customer acquisition channels. Strategies include approve/decline, line assignment, and pricing optimization to support healthy growth and profitability. Monitor, analyze, and enhance credit risk for an online portfolio as well as manage eligibility criteria for a national network of branches.

#LI-JA2 #LI-Onsite IND1

Responsibilities and Essential Duties:
  • Use advanced modeling, statistical techniques, and tools such as SAS, R, and Python to develop and maintain credit risk, response, behavior, and analytical strategies that will optimize lending decisions across channels.
  • Conduct evaluation and validation of lending decisions and marketing outreach across channels, utilizing approaches and enhanced segmentation to optimize approval and advance assignment strategies.
  • Design tests and champion and/or challenge strategies to continuously evaluate new opportunities to improve volume/credit risk trade-offs.
  • Maintain up-to-date inventory and chronology of underwriting strategies.
  • Update executive team on the impact of new strategies on the company's performance. Manage portfolio performance to risk appetite.
  • Ensure new bookings adhere to lifetime return expectations, are in line with the Company's Risk Appetite, and are in tight alignment with the company's funding strategy objectives.
  • Prepare risk reports through compiling, monitoring and analyzing data and key trends, and writing routine reports.
  • Partner cross-functionally to ensure Policies & Procedures and company's servicing system controls are in place to support development and maintenance of underwriting strategies.
  • Represent Risk Department in cross-functional projects and partner across the organization to execute on other key business priorities.
  • Lead projects as assigned. Plan tasks of team members and manage resources to ensure successful and timely execution of project goals.
  • Act as a resource to team members by sharing knowledge and working shoulder to shoulder to provide guidance.
  • May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service.
Required Qualifications:
  • Bachelor's degree in a quantitative field of study (statistics, economics, finance, engineering, information systems, etc.) with exceptional academic record.
  • Minimum of four (4) years of credit risk management experience with one (1) year of customer acquisition/underwriting strategy development experience in the digital/online space.
  • Experience in the consumer lending/financial services industry with working knowledge of regulatory matters related to consumer lending & consumer loan policies and procedures.
  • Advanced knowledge of SAS, SQL, or similar tools.
  • Proficient in Python, R, or similar tools.
  • Strong technical skills with proficiency in MS Office suite; Expert in Excel (pivots, advanced formulas, macros).
  • Strong understanding of general risk principles and financial concepts.
  • Ability to articulate complex information in understandable terms to various audiences by way of presentations, reports, or other communication mediums.
  • Demonstrate a strong commitment to continuous learning, actively seeking out opportunities to acquire new skills and stay abreast of industry trends.
  • Excellent interpersonal skills necessary to communicate professionally and effectively, verbally and in writing, with all levels of company staff.
  • Highly-motivated self-starter with strong work ethic, exceptional attention to detail, and ability to complete tasks and support multiple projects simultaneously.
  • Strong analytical, problem-solving, organizational, and project administration skills.
  • Results oriented individual with the ability to translate plans into actions.
Preferred Qualifications:
  • Experience in fraud strategy or bank transaction data.
Physical Demands:

While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

Disclaimer

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.

Compensation: Salary (commensurate with experience) + Bonus

Benefits: Mariner Finance offers comprehensive benefits to eligible employees, including:
  • Health Insurance - Health Savings Account (HSA) with employer contributions if enrolled in a qualifying plan, Flexible Spending Account (FSA), and Dependent Care FSA
  • Vision Insurance
  • Dental Insurance
  • Company-paid Basic Life, Long-Term Disability, and AD&D Insurance
  • Voluntary worksite benefits including Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Supplemental Life, and Supplemental AD&D Insurance
  • 401(k) and Company Matching Contributions
  • Paid Time Off - full-time employees may accrue a minimum of 120 hours per year
  • 11 Paid Holidays
  • FMLA
  • Employee Assistance Program (EAP)
  • Paid Parental Leave
  • Referral Incentives
  • Education Assistance Program
  • Complimentary FIMC Membership Plan
  • Access to industry-specific training programs
  • Certain roles may qualify for additional benefits such as Relocation Assistance, Debt Assistance, Cell Phone Reimbursement, and Travel/Auto Reimbursement. Contact careers@marinerfinance.com for additional information.


Benefits provided are consistent with applicable state laws and Company policies. Eligibility may vary based on full-time or part-time status, location, or management level.

For additional information, please visit: https://www.marinerfinance.com/careers/benefits/

Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender, gender identity or expression, marital status, age, religion, national origin, sexual orientation, familial or caregiver status, citizenship status, status as a victim of domestic violence, medical condition, genetic information, pregnancy, physical or mental disability, or status as a disabled or Vietnam era veteran. Employee must be able to perform the essential duties/functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job, absent undue hardship. Drug/Alcohol/Smoke-free workplace.

Mariner Finance, LLC | NMLS #166564

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