Manager Credit Risk

About the role

Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times. We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team. If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!

Job Purpose

The Manager, Credit Risk is responsible for performance analysis, operational reporting, and business unit support for the Risk Management organization within Regional Management. This position will utilize advanced skills to analyze data, portfolio‑level performance trends, custom scorecard analysis, and forecasting to support credit risk functions.

Responsibilities

• Mine, model, and analyze large datasets, employing predictive modeling techniques such as linear/logistic regression, factor analysis, decision trees, clustering, and segmentation to optimize credit risk and marketing campaign performance.
• Perform quantitative analysis of custom score models, including validation, ongoing performance monitoring, and documentation.
• Develop and support complex models, analyses, and reporting related to customer approval, pricing, and profitability.
• Forecast marketing campaign performance and track actual results versus forecasts.
• Conduct ad‑hoc research projects, encompassing project design, data collection, analysis, summarization of findings, and presentation of results.
• Process large volumes of transaction‑level data, applying interpretive and problem‑solving skills to derive actionable insights.
• Interact with stakeholders to understand business questions, craft methodology, mine and analyze datasets using SAS, and deliver insightful recommendations.

Minimum Qualifications

• Master’s degree in Statistics, Data Analytics, Economics, Mathematics, or a related field.
• 5+ years of experience in consumer finance, risk analytics, or a comparable domain.
• Experience in data mining, modeling, and analyzing analytic findings using SAS.
• Advanced programming skills in SAS and SQL.
• Proficient (moderate to expert) in Microsoft Office Suite, especially Excel, Access, and Outlook.
• Ability to pass drug screening, criminal background, and credit checks.

Preferred Qualifications

• Experience in financial services working with consumer credit data using SAS.
• Background analyzing marketing data within a financial environment.
• Experience developing risk models for a financial institution.

Critical Competencies

• Excellent oral and written communication skills, especially the ability to explain complex analyses in easily understood terms.
• Strong organizational abilities with capacity to prioritize and manage multiple tasks simultaneously.
• Sound judgment and logical problem‑solving when making decisions.
• Demonstrated ability to apply complex financial and statistical principles.
• Effective presentation skills for senior and executive audiences.
• Innovative quantitative and analytical problem‑solving capabilities.
• Detail‑oriented with the ability to work independently.
• Flexible, proactive work style and adaptability to team environments.