Senior Risk Analyst

Attain Finance•,

3d•CA$90,000 - CA$140,000•Remote

About The Position

Attain Finance is a leading consumer credit lender in the United States and Canada, offering licensed, direct lending products and exceptional customer service. The company fosters an upbeat, friendly, and fast-paced environment with low employee turnover and a strong company culture. Attain Finance has consistently outpaced competitors in growth and is poised for continued success. The company distinguishes itself through quality products, genuine customer service, robust operating systems, a state-of-the-art call center, and a history of product innovation. Managing risk is a top priority at Attain Finance, aiming to provide access to credit for underbanked consumers while minimizing financial and regulatory risk. This role, reporting to the Director of Risk Strategy, involves utilizing cash flow, application, and bureau data to analyze various aspects of the customer lifecycle, including underwriting, account management, and collections. The incumbent will be responsible for developing, designing, analyzing, and implementing underwriting and portfolio management account risk strategies. As part of the dynamic and learning-oriented Risk Department, this team member will contribute to innovation and the deployment of new technologies for managing the growth of Attain's lending portfolios.

Requirements

BS/MS in a quantitative discipline (Statistics, math, qualitative social science, operation management, finance) or equivalent working experience.
4+ years of experience in credit risk or analytical experience in a related industry.
Experience in Financial Services with an emphasis on risk management/scoring of consumer lending products.
Familiarity with data from credit bureaus and third-party data providers.
Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and tell a story.
Strong organization skills and the ability to communicate effectively, both verbally and written.
Exceptional problem-solving skills and ability to work effectively with minimal supervision.
Comfortable working both independently and in a team environment.
High proficiency with SQL/Snowflake/SAS.
Familiarity with statistical modeling techniques.

Nice To Haves

Knowledge of Python or R is a plus.
Experience with A/B testing and data visualization (Sigma, Tableau) is a plus.
Experience in Canadian consumer lending market is a plus.

Responsibilities

Develop underwriting strategies for the assigned loan portfolio, evidenced by improved performance (reduced defaults, increased receivables and/or revenue) and achievement of desired business objectives.
Interface with the Modeling/Scoring team to deploy risk strategies based on new models to improve the effectiveness of model deployment.
Develop dashboards to monitor and analyze portfolio and segment-level performance, including the performance of implemented strategies.
Build and automate complex queries across databases and create dynamic reports to enhance credit risk insights.
Understand the data environment and be able to investigate issues to appropriately prioritize and set expectations for key reporting and analytical priorities.
Coach and mentor other analysts and act as a thought leader within the analyst community.
Work closely with internal groups to devise risk policies, identify actionable insights, suggest recommendations, and influence the direction of the business by effectively communicating results to cross-functional groups.
Become familiar with assigned markets and products for use in developing/modifying underwriting strategies to meet business goals.
Successfully manage multiple projects and timelines.