Risk management analyst Jobs in Richardson, TX

Overview

Senior Credit Risk Analyst

Carrollton, TX (2-3 days / week)

Position Summary

The Senior Credit Risk Analyst is responsible for identifying business challenges and opportunities within credit risk, utilizing data-driven analysis of consumer, collateral, and transaction data to deliver strategic and tactical recommendations. The analyst will apply advanced statistical modeling and machine learning techniques to assess and quantify credit risk. This role directly contributes to the company's bottom line and offers significant opportunities for professional growth.

Responsibilities

• Develop credit strategies to improve credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions.
• Conduct thorough portfolio reviews, monitor credit risk exposure, and provide recommendations for risk mitigation strategies and process improvements.
• Design and oversee the creation of executive dashboards, performance reports, and data visualizations to highlight key trends and areas for improvement. Manage a diverse reporting function across origination, pricing, repossession, and collections.
• Partner with internal team of predictive modelers to develop analytical models to analyze credit performance of borrowers (payment delinquency, default patterns, profitability), and design implementation strategies for these models.
• Utilize advanced data mining tools (SQL, Python, R) to extract and analyze consumer loan data across multiple environments, providing insights to guide credit risk decisions.
• Champion improvements in performance by connecting future consumer credit trends to historical behavior, leveraging risk models based on consumer, collateral, and loan data.
• Perform in-depth analytics at the product and segment levels to evaluate existing product performance and support the development of new product policies and pricing strategies.
• Develop and manage strategies to optimize recovery & remarketing of delinquent loans.

Qualifications

What We Offer

Our Benefits Include

Our Commitment to Diversity, Inclusion & Belonging

Diversity at the Community Choice Financial® Family of Brands is one of the driving forces behind our Company's success and we are committed to hiring, developing, and retaining talent of various backgrounds who demonstrate our shared values. We have worked to create a welcoming and inclusive environment where Team Members can collaborate freely to help spark innovation, drive creativity, advance their skillset, and move their career forward. Our commitment to diversity isn't just about the work we accomplish; it's about fostering a sense of belonging where talented Team Members can bring their whole selves to work to help maximize their full potential.

Our Workplace Awards and Recognition

We are honored to be recognized as a Military Friendly Employer for 2021, 2022, and 2023, a Best Company to Work for by InHerSight, and have received designation as a Top Employer for Hispanic and Latinos by HLPA in 2022 and 2023.

About Us

Community Choice Financial Family of Brands ("CCF") is a leading retailer of financial services to unbanked and underbanked consumers. CFF is the parent company to eleven brands including TitleMax®, TitleBucks®, InstaLoan® Check Into Cash®, Cash 1®, Check Smart®, Easy Money®, Rapid Cash®, and Speedy Cash®. With more than 1,700 retail storefronts and several online products available in 20+ states, CCF is steadfast in our commitment to help people across the country get access to the short-term financial services they need when they need it the most.

The information contained herein is not intended to be an all-inclusive list of the duties and responsibilities of the job, nor is it intended to be an all-inclusive list of the skills and abilities required to do the job. The Company may, at its discretion, revise the job description at any time, and additional functions and requirements may be assigned by supervisors as deemed appropriate. Requirements, skills and abilities included have been determined to illustrate the minimal standards required to successfully perform the position.

Important : The Community Choice Financial® Family of Brands will never ask you for banking or other payment information at any point during the interview or hiring process, nor will we conduct an interview via text message. Any official email correspondence will come from the domains @ccfi.com, @titlemax.com or @titlemax.biz. In-store positions are in-person only, remote options not available.

The Community Choice Financial® Family of Brands is committed to providing an inclusive workplace free of discrimination based on race, color, religion, sex, age, national origin, military status, disability, pregnancy, sexual orientation, gender identity or expression, genetic information or any other characteristic protected by applicable law. Candidates of all background are encouraged to apply. CCFI Companies, LLC is an equal opportunity employer.