Senior Manager, Cash Flow Underwriting

Attain Finance•,

9d•$150,000 - $190,000

About The Position

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Our deep roots in the financial industry have empowered us to develop convenient, easily accessible financial services that meet our customers' growing needs. Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued. Our portfolio includes distinguished brands like Cash Money®, LendDirect®, Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit. Each brand is constantly evolving to better serve our customers. Be part of a dynamic team that is shaping the future of consumer finance. Apply today and take the next step in your career with Attain Finance!

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. Hands on experience using bank transaction/cash flow data. Strong knowledge in Financial Services with emphasis on risk management/analytics of consumer lending products
Advanced experience in SQL, SnowFlake, or relational databases
Working knowledge in Python, SAS, R, or other analytical tools preferred
Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred
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.

Responsibilities

Develop and enhance risk strategies for the assigned loan portfolio, leveraging permission-based open banking/cash flow data to optimize performance, reducing defaults, increasing receivables, and driving revenue growth
Design and implement end-to-end loan application workflows that incorporate bank data opt in as opportunity to increase originations volume while maintaining robust credit and loss controls
Leverage cash flow to automate ID/Income verification, minimizing manual reviews and improving operational efficiency
Extract effective risk signal or payment pattern from bank transaction data to help managing risk, encouraging responsible consumer borrowing activities
Perform proactive portfolio analysis at a granular level using cash flow, bureau, and other relevant data sources to identify emerging credit trends, conduct root-cause analyses, and isolate key performance drivers
Operate as the subject matter expert in credit decision processes to support cross-functional teams and partner with stakeholders to ensure understanding of changes to risk factors and the underwriting/ credit decisioning flow
Support Leadership in preparing reports and documentation for regulatory reviews and audit activities
Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment process
Develop and enhance the reporting structure for assigned markets/products and channels. This includes developing/modifying scoring datasets/warehouse and developing monitoring reports for use in performance tracking.
Utilize relational database and/or analytical programs to create data for analysis and monitoring of strategies and models
Forecast impact of strategy changes on key business performance metrics such as revenues, balances and losses
Effectively coach and support teammates to identify actionable insights, suggest recommendations, and influence the direction of the business
Directly supervise one or more credit risk professionals