Sr Credit Risk Analyst

Overview

Senior Credit Risk Analyst

Remote (Texas, Georgia, or Ohio)

 

Position Summary

The Senior Credit Risk Analyst is responsible for identifying business challenges and opportunities within credit risk, utilizing data-driven analysis of consumer, collateral, and transaction data to deliver strategic and tactical recommendations. The analyst will apply advanced statistical modeling and machine learning techniques to assess and quantify credit risk. This role directly contributes to the company's bottom line and offers significant opportunities for professional growth.

Responsibilities

• Develop credit strategies to improve credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions.
• Conduct thorough portfolio reviews, monitor credit risk exposure, and provide recommendations for risk mitigation strategies and process improvements.
• Design and oversee the creation of executive dashboards, performance reports, and data visualizations to highlight key trends and areas for improvement. Manage a diverse reporting function across origination, pricing, repossession, and collections.
• Partner with internal team of predictive modelers to develop analytical models to analyze credit performance of borrowers (payment delinquency, default patterns, profitability), and design implementation strategies for these models.
• Utilize advanced data mining tools (SQL, Python, R) to extract and analyze consumer loan data across multiple environments, providing insights to guide credit risk decisions.
• Champion improvements in performance by connecting future consumer credit trends to historical behavior, leveraging risk models based on consumer, collateral, and loan data.
• Perform in-depth analytics at the product and segment levels to evaluate existing product performance and support the development of new product policies and pricing strategies.
• Develop and manage strategies to optimize recovery & remarketing of delinquent loans.

Qualifications

• Master’s degree in quantitative discipline such as statistics, mathematics, management science, economics or equivalent.
• 3+ years’ experience in predictive modeling, decision analytics, data science, or related work. Passionate about translating complex data into actionable strategy.
• Experience in the financial services industry, with a focus on credit risk analysis is a PLUS.
• Proficient in handling Large Datasets, working with Data Processing Frameworks, and building reliable Data Pipelines.
• Hands-on experience in data manipulation, mining, and web analytics.
• Excellent problem-solving skills with the ability to think analytically and critically.
• Strong attention to detail and accuracy in data analysis and reporting.
• Self-motivated and able to work independently as well as collaboratively in a team environment.
• Fluency in two of the following: SQL, SAS, R, or Python.
• Proficiency in Power BI/Tableau.

What We Offer

Our Benefits Include* 

• Uncapped Flexible Paid Time Off  

• A comprehensive new hire training program designed to help set you up for success 

• Access to a robust learning management system, full of e-learning modules and training programs to help boost your professional and personal development 

• Professional Development and Mentor Programs plus Ongoing Training Resources 

• Multiple coverage levels for Medical, Dental, & Vision 

• Group Health & Wellness Program, plus special savings on retail items, travel, and entertainment

• Traditional 401(k) and Roth 401(k) with Company match 

• Options for Flexible Spending Accounts and Health Savings Accounts 

• Basic and AD&D Life Insurance  

• Optional pet insurance 

• Voluntary benefits, including short-term and long-term disability insurance, accident, critical illness, and hospital confinement insurance  

• Performance-based career advancement 

 

*Based on current benefit offering, which is subject to change with or without notice. Certain benefits are subject to the terms and conditions of the governing plan documents which should be consulted for additional details and eligibility requirements.  

 

Our Commitment to Diversity, Inclusion & Belonging 

Diversity at the Community Choice Financial® Family of Brands is one of the driving forces behind our Company’s success and we are committed to hiring, developing, and retaining talent of various backgr