Connected Commerce Alternate Lending Risk Associate

Job Responsibilities

• Develop unsecured installment lending risk strategies using quantitative analysis (e.g., SAS, SQL) to improve performance, customer experience, and execution quality
• Analyze portfolio performance to identify trends, risks, and opportunities across segments, channels, and strategies
• Design segmentation and targeting approaches to optimize approvals, losses, customer outcomes, and profitability
• Create forward-looking analytics and recommendations to address business issues and anticipate emerging risks
• Forecast impacts of strategy and mix changes; guide business partners through adjustments based on expected outcomes
• Translate strategy intent into clear requirements for rules engines and automated decisioning; partner with technical teams on implementation
• Build monitoring and reporting to track strategy health, segment performance, and operational execution
• Maintain comprehensive controls to ensure processes execute as designed and comply with internal standards
• Investigate anomalies and performance changes; perform root-cause analysis and implement corrective actions
• Prepare written presentations and communicate insights, findings, and recommendations to senior leaders

Required Qualifications, Capabilities, And Skills

• Minimum 3 years of experience in risk management and/or financial services (credit risk, lending, analytics, strategy, or related)
• Bachelor's degree in a quantitative discipline (e.g., Statistics, Economics, Finance or similar) or equivalent practical experience
• Hands-on experience using SAS and/or SQL for data extraction, analysis, and performance monitoring (other languages considered)
• Strong proficiency in Excel and ability to synthesize results into clear, decision-ready insights (Tableau experience a plus)
• Demonstrated ability to independently structure ambiguous problems and produce forward-looking, actionable solutions
• Prominent experience performing quantitative performance analysis (segmentation, targeting, trend analysis, monitoring, forecasting)
• Strong written communication skills, including creating executive-ready presentations and documentation
• Proven experience performing quantitative performance analysis (segmentation, targeting, trend analysis, monitoring, forecasting)
• Strong verbal communication skills, including presenting findings and recommendations to senior management
• High attention to detail with a track record of strong execution, ownership, and follow-through
• Ability to partner cross-functionally with technical, product, operations, and compliance stakeholders
• Sound judgment, curiosity, and a disciplined analytic approach to decision-making

Preferred Qualifications, Capabilities, And Skills

• Experience supporting unsecured consumer lending products (installment, card, or digital lending)
• Familiarity with rules engines, automated decisioning, and strategy implementation in production environments
• Understanding of consumer banking financial fundamentals (profitability drivers, losses, unit economics, segment mix)
• Experience building and managing controls, monitoring frameworks, and/or issue management routines
• Exposure to risk governance, regulatory considerations, and policy adherence in a lending context
• Experience with Tableau (or similar BI tools) to deliver scalable performance dashboards
• Demonstrated ability to drive improvements that measurably impact risk outcomes and profitability