Senior Manager, Cash Flow Underwriting

Responsibilities

• Develop and enhance risk strategies for the assigned loan portfolio, leveraging permission-based open banking/cash flow data to optimize performance, reducing defaults, increasing receivables, and driving revenue growth
• Design and implement end-to-end loan application workflows that incorporate bank data opt-in to increase originations volume while maintaining robust credit and loss controls
• Leverage cash flow to automate ID/Income verification, minimizing manual reviews and improving operational efficiency
• Extract effective risk signals or payment patterns from bank transaction data to help manage risk, encouraging responsible consumer borrowing activities
• Perform proactive portfolio analysis at a granular level using cash flow, bureau, and other relevant data sources to identify emerging credit trends, conduct root-cause analyses, and isolate key performance drivers
• Operate as the subject matter expert in credit decision processes to support cross-functional teams and partner with stakeholders to ensure understanding of changes to risk factors and the underwriting/credit decisioning flow
• Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment process
• Develop and enhance the reporting structure for assigned markets/products and channels, including developing/modifying scoring datasets/warehouse and developing monitoring reports for use in performance tracking
• Utilize relational database and/or analytical programs to create data for analysis and monitoring of strategies and models
• Forecast impact of strategy changes on key business performance metrics such as revenues, balances, and losses
• Effectively coach and support teammates to identify actionable insights, suggest recommendations, and influence the direction of the business
• Directly supervise one or more credit risk professionals

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
• Hands-on experience using bank transaction/cash flow data
• Strong knowledge in Financial Services with emphasis on risk management/analytics of consumer lending products
• Advanced experience in SQL, SnowFlake, or relational databases
• Working knowledge in Python, SAS, 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
• Solid organizational skills and the ability to communicate effectively, both verbally and in writing
• Exceptional problem-solving skills and ability to work effectively with minimal supervision

Pay

Base Salary: $150,000 - $190,000 USD

Benefits

• Flexible Paid Time Off Program
• Medical, Dental, Vision, Life Insurance, Disability
• Other voluntary coverages
• Eligible for 401k program with company match