Manager, Credit Risk

Attain Finance•,

1d•$120,000 - $160,000•Remote

About The Position

At Attain Finance, managing risk is of the utmost importance to us. Our goal is to ensure we are providing access to money to underbanked consumers, while minimizing the company’s financial and regulatory risk exposure. As a member of our Risk Department, you will be a part of a very dynamic, learning-oriented risk team that thrives on innovation and opportunities to spearhead the deployment of new technologies for managing the growth of Attain’s lending portfolios.

Requirements

BS or higher in a quantitative discipline (Statistics, mathematics, qualitative social science, operation management, finance, physics, ) or equivalent working experience.
5+ years of professional experience in credit risk analytics.
Strong knowledge in Financial Services with emphasis on risk management/analytics of loan or card product.
Advanced experience in SQL, SnowFlake, or relational databases.
Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and provide data-driven insights.
Strong business acumen with ability to translate analytical efforts to business results.
Strong organization skills and the ability to communicate effectively, both verbally and in written.
Exceptional problem-solving skills and ability to work effectively with minimal.
Comfortable working both independently and in a team environment.

Nice To Haves

Working knowledge in Python, R, or other analytical tools preferred.
Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred.

Responsibilities

Developing and executing credit risk strategies that optimize portfolio performance across multiple loan products.
Serving as the primary subject matter expert on credit decisioning processes, partnering with stakeholders across operation, product, finance and compliance teams.
Designing, implementing, and continuously enhancing credit risk strategies for assigned loan portfolios to reduce defaults, grow receivables, and improve revenue performance.
Conducting granular portfolio analysis leveraging bureau, cash flow, and internal behavior data to identify emerging credit trends, perform root-cause analysis, and isolate key performance drivers.
Forecasting the financial impact of strategy changes on critical business metrics including credit losses and receivable.
Supporting leadership in preparing materials for regulatory reviews, audits, and board-level reporting.
Ensuring compliance with credit risk policies and maintaining documentation standards across all risk activities.
Partnering with the Modeling & Scoring team to deploy risk strategies informed by new and updated models, improving deployment effectiveness and strategy performance monitoring.
Developing and enhancing reporting infrastructure for assigned markets, products, and channels, including application and booked datasets and performance tracking dashboards.
Utilizing relational databases and analytical tools (e.g., SQL, Python) to build datasets for strategy analysis and model monitoring.
Clearly communicating changes to risk factors and underwriting logic to ensure alignment across functions.
Leading independent projects and delivering ad hoc analysis to support strategic business decisions.
May directly supervise one or more associates.