Manager, Credit Risk

Overview

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!

 

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.

Responsibilities

The Credit Risk Manager is responsible for developing and executing credit risk strategies that optimize portfolio performance across multiple loan products. This role serves as the primary subject matter expert on credit decisioning processes, partnering with stakeholders across operation, product, finance and compliance teams 

• Design, implement, and continuously enhance credit risk strategies for assigned loan portfolios to reduce defaults, grow receivables, and improve revenue performance 

• Conduct 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 

• Forecast the financial impact of strategy changes on critical business metrics including credit losses and receivable 

• Support leadership in preparing materials for regulatory reviews, audits, and board-level reporting 

• Ensure compliance with credit risk policies and maintain documentation standards across all risk activities 

• Partner with the Modeling & Scoring team to deploy risk strategies informed by new and updated models, improving deployment effectiveness and strategy performance monitoring 

• Develop and enhance reporting infrastructure for assigned markets, products, and channels, including application and booked datasets and performance tracking dashboards 

• Utilize relational databases and analytical tools (e.g., SQL, Python) to build datasets for strategy analysis and model monitoring 

• Clearly communicate changes to risk factors and underwriting logic to ensure alignment across functions 

• Lead independent projects and deliver ad hoc analysis to support strategic business decisions 

• May directly supervise one or more associates 

Qualifications

• 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 

• Working knowledge in Python, 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. 

 

Base Salary:  $120,000 - $160,000 USD

 

The base salary range represents the low and high end of the anticipated salary range for this position based on the U.S. average. The ac