Mariner Finance
Senior Risk Management Analyst – Credit Strategy at Mariner Finance
Schedule: Work hours will depend on the business hours of the time zone serviced. Exempt
In This Role
Lead and support the Risk department in developing and achieving department goals. Work closely with senior management to develop and execute underwriting strategies to support various Mariner Finance customer acquisition channels. Strategies include approve/decline, line assignment, and pricing optimization to support healthy growth and profitability. Monitor, analyze, and enhance credit risk for an online portfolio as well as manage eligibility criteria for a national network of branches. Responsibilities and Essential Duties
Use advanced modeling, statistical techniques, and tools such as SAS, R, and Python to develop and maintain credit risk, response, behavior, and analytical strategies that will optimize lending decisions across channels. Conduct evaluation and validation of lending decisions and marketing outreach across channels, utilizing approaches and enhanced segmentation to optimize approval and advance assignment strategies. Design tests and champion and/or challenge strategies to continuously evaluate new opportunities to improve volume/credit risk trade-offs. Maintain up-to-date inventory and chronology of underwriting strategies. Update executive team on the impact of new strategies on the company’s performance. Manage portfolio performance to risk appetite. Ensure new bookings adhere to lifetime return expectations, are in line with the company’s Risk Appetite, and are in tight alignment with the company’s funding strategy objectives. Prepare risk reports through compiling, monitoring and analyzing data and key trends, and writing routine reports. Partner cross-functionally to ensure Policies & Procedures and the company’s servicing system controls are in place to support development and maintenance of underwriting strategies. Represent Risk Department in cross-functional projects and partner across the organization to execute on other key business priorities. Lead projects as assigned. Plan tasks of team members and manage resources to ensure successful and timely execution of project goals. Act as a resource to team members by sharing knowledge and providing guidance. May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service. Required Qualifications
Bachelor’s degree in a quantitative field (statistics, economics, finance, engineering, information systems, etc.) with exceptional academic record. Minimum of four (4) years of credit risk management experience with one (1) year of customer acquisition/underwriting strategy development experience in the digital/online space. Experience in the consumer lending/financial services industry with working knowledge of regulatory matters related to consumer lending and policies. Advanced knowledge of SAS, SQL, or similar tools. Proficient in Python, R, or similar tools. Strong technical skills with proficiency in MS Office; expert in Excel (pivots, advanced formulas, macros). Strong understanding of general risk principles and financial concepts. Ability to articulate complex information to various audiences via presentations, reports, or other communication mediums. Commitment to continuous learning and staying abreast of industry trends. Excellent interpersonal skills to communicate professionally and effectively with all levels of staff. Highly motivated self-starter with strong work ethic, attention to detail, and ability to manage multiple projects simultaneously. Strong analytical, problem-solving, organizational, and project administration skills. Results-oriented with the ability to translate plans into actions. Preferred Qualifications
Experience in fraud strategy or bank transaction data. Physical Demands
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required include close vision and the ability to adjust focus. Disclaimer
This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities. Duties, responsibilities, and activities may change or be assigned at any time or without notice. Compensation and Benefits
Compensation: Salary (commensurate with experience) + Bonus Benefits: Mariner Finance offers comprehensive benefits to eligible employees, including: Health Insurance with HSA/FSA options Vision and Dental Insurance Company-paid Basic Life, Long-Term Disability, and AD&D Insurance Voluntary benefits including Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Supplemental Life and AD&D 401(k) with Company Matching Paid Time Off and Holidays FMLA, Employee Assistance Program (EAP), Paid Parental Leave Education Assistance Program, Referral Incentives, and related programs Information on benefits is subject to state law and company policy. Eligibility may vary by status, location, or management level. For more information, please visit: https://www.marinerfinance.com/careers/benefits/ Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender identity or expression, or any other protected characteristic. Reasonable accommodations will be provided to qualified applicants with disabilities. Drug/Alcohol/Smoke-free workplace. Mariner Finance, LLC | NMLS #166564
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Lead and support the Risk department in developing and achieving department goals. Work closely with senior management to develop and execute underwriting strategies to support various Mariner Finance customer acquisition channels. Strategies include approve/decline, line assignment, and pricing optimization to support healthy growth and profitability. Monitor, analyze, and enhance credit risk for an online portfolio as well as manage eligibility criteria for a national network of branches. Responsibilities and Essential Duties
Use advanced modeling, statistical techniques, and tools such as SAS, R, and Python to develop and maintain credit risk, response, behavior, and analytical strategies that will optimize lending decisions across channels. Conduct evaluation and validation of lending decisions and marketing outreach across channels, utilizing approaches and enhanced segmentation to optimize approval and advance assignment strategies. Design tests and champion and/or challenge strategies to continuously evaluate new opportunities to improve volume/credit risk trade-offs. Maintain up-to-date inventory and chronology of underwriting strategies. Update executive team on the impact of new strategies on the company’s performance. Manage portfolio performance to risk appetite. Ensure new bookings adhere to lifetime return expectations, are in line with the company’s Risk Appetite, and are in tight alignment with the company’s funding strategy objectives. Prepare risk reports through compiling, monitoring and analyzing data and key trends, and writing routine reports. Partner cross-functionally to ensure Policies & Procedures and the company’s servicing system controls are in place to support development and maintenance of underwriting strategies. Represent Risk Department in cross-functional projects and partner across the organization to execute on other key business priorities. Lead projects as assigned. Plan tasks of team members and manage resources to ensure successful and timely execution of project goals. Act as a resource to team members by sharing knowledge and providing guidance. May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service. Required Qualifications
Bachelor’s degree in a quantitative field (statistics, economics, finance, engineering, information systems, etc.) with exceptional academic record. Minimum of four (4) years of credit risk management experience with one (1) year of customer acquisition/underwriting strategy development experience in the digital/online space. Experience in the consumer lending/financial services industry with working knowledge of regulatory matters related to consumer lending and policies. Advanced knowledge of SAS, SQL, or similar tools. Proficient in Python, R, or similar tools. Strong technical skills with proficiency in MS Office; expert in Excel (pivots, advanced formulas, macros). Strong understanding of general risk principles and financial concepts. Ability to articulate complex information to various audiences via presentations, reports, or other communication mediums. Commitment to continuous learning and staying abreast of industry trends. Excellent interpersonal skills to communicate professionally and effectively with all levels of staff. Highly motivated self-starter with strong work ethic, attention to detail, and ability to manage multiple projects simultaneously. Strong analytical, problem-solving, organizational, and project administration skills. Results-oriented with the ability to translate plans into actions. Preferred Qualifications
Experience in fraud strategy or bank transaction data. Physical Demands
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required include close vision and the ability to adjust focus. Disclaimer
This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities. Duties, responsibilities, and activities may change or be assigned at any time or without notice. Compensation and Benefits
Compensation: Salary (commensurate with experience) + Bonus Benefits: Mariner Finance offers comprehensive benefits to eligible employees, including: Health Insurance with HSA/FSA options Vision and Dental Insurance Company-paid Basic Life, Long-Term Disability, and AD&D Insurance Voluntary benefits including Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Supplemental Life and AD&D 401(k) with Company Matching Paid Time Off and Holidays FMLA, Employee Assistance Program (EAP), Paid Parental Leave Education Assistance Program, Referral Incentives, and related programs Information on benefits is subject to state law and company policy. Eligibility may vary by status, location, or management level. For more information, please visit: https://www.marinerfinance.com/careers/benefits/ Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender identity or expression, or any other protected characteristic. Reasonable accommodations will be provided to qualified applicants with disabilities. Drug/Alcohol/Smoke-free workplace. Mariner Finance, LLC | NMLS #166564
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