Senior Risk Management Analyst - Loss Mitigation

Mariner Finance•Plano, TX

1d•Onsite

About The Position

Join Mariner Finance! Since 1927, the Mariner Finance family of companies has provided customers with creative, flexible, and convenient lending options. Headquartered in Baltimore, Mariner Finance operates coast-to-coast with physical locations in over half the states. With a growing number of employees, superior customer service remains the cornerstone of our business, and we pride ourselves in delivering a variety of loans with an enhanced focus on exceptional service. We work with customers to find options that are beneficial to their specific needs, which is why we are recognized by our customers as one of the community’s consumer finance companies of choice. In this role, you will lead and support the development, execution, and monitoring of strategies that minimize credit losses and improve recovery performance across Mariner Finance’s consumer lending portfolio. The analyst will analyze portfolio trends, test loss mitigation initiatives, and support cross-functional projects that enhance decision-making and operational effectiveness. Working closely with the AVP of Loss Mitigation and partners across Risk, Credit, and Central Operations, this individual will use data analytics, strategy design, test design, and risk process optimization in a fast-paced, collaborative environment.

Requirements

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 loss mitigation strategy experience.
Experience in the consumer lending/financial services industry.
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.

Responsibilities

Collect, analyze, and interpret data related to delinquency, roll rates, cure rates, charge-offs, recoveries, loss severity, and overall loss trends across all stages of the credit lifecycle.
Prepare regular reports and dashboards summarizing key performance metrics, portfolio performance, and emerging trends for management review.
Support ad-hoc analytical requests, including root-cause analysis, to investigate performance drivers, portfolio movements, customer behavior, and risk exposures.
Identify emerging risk trends and contribute recommendations to support loss mitigation strategies, portfolio performance improvement, and alignment with established risk appetite.
Contribute to the implementation, tracking, and documentation of loss mitigation strategies, including hardship programs, settlement offers, post–charge-off recovery tactics, and the maintenance of strategy inventory or chronology where applicable.
Partner with Central Operations to ensure accurate and timely execution of strategy changes, campaign launches, and process updates.
Perform controlled testing and analysis of new strategies to evaluate effectiveness, operational impact, and overall strategy performance.
Maintain data accuracy within analytical tools, reports, systems, and strategy tracking documentation supporting loss mitigation processes.
Enhance existing tools and contribute to the design of new dashboards, reports, and automation workflows.
Collaborate with Technology and Data Science teams to support model performance monitoring, data integration efforts, and analytical strategy development.
Partner with colleagues in Credit, Collections, Operations, and Risk to ensure strategies are aligned, controls are in place, and initiatives are effectively executed.
Prepare presentations, risk reporting summaries, and documentation for internal stakeholders, including senior management and compliance reviews.
Participate in or lead projects that enhance the customer experience, improve efficiency, strengthen overall risk controls, and support key business priorities.
Act as a resource to team members by sharing knowledge and working shoulder to shoulder to provide guidance and help build technical, analytical, and business acumen.
Monitor industry trends, emerging technologies, and regulatory developments affecting credit and loss mitigation, and share insights with the team.
Perform additional responsibilities as required to maintain consistent quality service and operational support.