Manager Of Valuations, Risk Management
The Manager of Valuation in the Risk Management department helps manage / optimize credit strategy and value for Oportun's Installment loan product. This is an exciting opportunity in a fast-paced organization where your contributions can have a meaningful impact on increasing access to Oportun's affordable, credit building loan product for consumers with little or no credit history.
Responsibilities :
- Develop and manage the customer life-time valuation (CLTV) framework for Oportun's Personal Loan products, including Unsecured Personal Loan (UPL) and Secured Personal Loan (SPL). Develop forecasting frameworks to estimate the various revenue and cost metrics such as credit loss, interest revenue, losses, prepay behavior, propensity to return for another loan after paying off existing loan, etc.
- Work with various business teams to integrate valuation frameworks into the decisioning processes to enable differential product offering to customers
- Develop a rigorous re-grounding and monitoring process to ensure the accuracy of the valuation forecast and make improvement as needed
- Provide ad hoc analytical support to the leadership in various regulatory and audit exams related to valuation frameworks
Desired Skills & Experience :
Ability to work in a fast-paced environment and meet aggressive deadlines while ensuring flawless execution6 to 8 years of analytical experience in finance or risk management, preferably with experience in developing valuation framework and / or grounding risk metricsGood experience in Cash Flow, Pricing & Credit ExperienceGood experience from Fintech / Financial Services / Banking domain.A relentless problem solver in finding new ways to improve strategies and processesExcellent Python and SQL (or similar language) programming skillsAdvanced Microsoft Excel and PowerPoint skillsExcellent written and oral communication skillsBachelor's degree in Statistics, Math, Engineering, Economics, Operational Research, Business or other quantitative disciplines. Master's degree a plus