Senior Risk Associate

EnFin seeks an energetic associate/ senior risk associate with prior experience in credit risk and compliance to work on risk initiatives for the EnFin consumer lending platform.  The ideal candidate is an experienced professional with compliance, credit risk & risk management skills.  Experience in the fintech lending sector is a plus.  This position will be based in the EnFin North America headquarters in Irvine, CA, or in the San Francisco, CA office, although remote options may also be available. 

Responsibilities

• Provide compliance support and ensure key compliance initiatives are operationalized.
• Collaborate with other team members in operations and IT to ensure implementation of compliance & risk policies and procedures. 
• Assist with Audit and internal review to ensure Enfin practices stay consistent with regulatory expectations.
• Develop recommendations to adjust credit policies by analyzing credit and financial performance. 
• Assist the Director of Credit and or Compliance Manager in managing the compliance policies and procedures.
• Work with technology and risk team as a key back-up for the decisioning engine.
• Assist the risk team in implementing, designing and conducting tests of internal controls and provide findings to senior executives.

Required Qualifications

• 3+ years experience in credit risk management and compliance.
• Demonstrated track record in consumer lending /compliance.  
• Familiarity with compliance regulations as it pertains to consumer lending industry.
• Good knowledge of Consumer and Commercial credit risk concepts
• Detail oriented and well organized
• Has understanding of quantitative concepts as they pertain to credit scorecard development and performance management.
• Excellent oral and written communication skills with the ability to communicate with executives 
• Entrepreneurial and flexible mindset with demonstrated ability to thrive in a high-growth environment 

Preferred Qualifications

• Experience in the fintech and/or B2B2C lending sectors  

PHYSICAL, MENTAL & ENVIRONMENTAL DEMANDS:To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation. MobilityStanding20% of time Sitting70% of time Walking10% of time StrengthPullingup to 10 Pounds Pushingup to 10 Pounds Carryingup to 10 Pounds Liftingup to 10 Pounds Dexterity (F = Frequently, O = Occasionally, N = Never)TypingFHandlingFReachingFAgility (F = Frequently, O = Occasionally, N = Never)TurningFTwistingFBendingOCrouchingOBalancingNClimbingNCrawlingNKneelingN