Sr. Risk Analyst

Populus Financial Group•Irving, TX

48d

About The Position

Populus is an amazing company where our employees stay because they love their teams and the growth opportunities. Additionally, we offer a competitive 401K match, a generous paid time off package, and Health Benefits. Our mission is to provide a broad range of quality financial products and services delivered with best-in-class customer service. We work and lead with integrity, and we celebrate employees who exemplify our values. Come join our team! Job Summary The Sr. Risk Analyst supports the Manager and Director of Credit Risk Management in analyzing, monitoring, and improving credit and fraud risk performance across Populus Financial Group's lending portfolios. This role is responsible for performing deep-dive portfolio analysis, tracking model and policy performance, and supporting initiatives that optimize credit decisioning, fraud detection, and acquisition efficiency. The ideal candidate is analytically driven, detail-oriented, and curious - with strong data skills and an eagerness to learn credit risk management, model monitoring, and campaign performance optimization in a fast-paced lending environment.

Requirements

Analytical and Quantitative Thinking
Data Management and Accuracy
Fraud and Identity Risk Awareness
Direct Mail and Campaign Performance Tracking
Data Visualization and Reporting
Collaboration and Cross-Functional Partnership
Problem Solving and Critical Thinking
Continuous Learning and Initiative

Responsibilities

Conduct data-driven analyses to evaluate credit model performance, origination trends, and portfolio health across lending products.
Support the monitoring and tracking of auto origination (AO) model performance, including pull-through rates, approval rates, losses, and fraud trends.
Assist in the development and testing of credit policy and decision rule changes, measuring impact on approval volume, risk, and profitability.
Perform ad-hoc analytics to identify emerging risk trends, segment performance, and opportunities to improve predictive accuracy.
Develop and maintain dashboards and reporting on key risk indicators (KRIs), delinquency, loss trends, and model stability.
Collaborate with Fraud Strategy to analyze fraud detection metrics, identity verification outcomes, and false positive/negative rates.
Support the execution and analysis of direct mail campaigns, including response rate tracking, ROI measurement, and cost optimization.
Assist in testing and optimization of remailing strategies, list segmentation, and campaign targeting improvements.
Partner with internal data teams to ensure data accuracy, completeness, and consistency across models and reports.
Document and maintain detailed procedures, models, and process logs to support internal governance and audit readiness.
Present analytical findings to the Manager and Director, providing insights that support data-driven decisions.
Support risk projects such as loss forecasting, stress testing, and early warning analysis.
Maintain awareness of credit and fraud regulatory requirements and assist in ensuring compliance with internal policies.