Credit Risk Manager

Office Location Atlanta, GA – Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA‑400, and a free shuttle to MARTA. Role What a day looks like: The Credit Risk Manager is responsible for delivering strategies that drive product growth and optimization for the private label retail business. You will own and manage credit risk strategies including population segmentation, the evaluation of new data sources, and product/price optimization across the credit spectrum. In addition, you will optimize strategies, new and existing, to drive new account originations and deliver incremental profit. The candidate should be able to apply knowledge of credit strategy as well as communicate complex topics to colleagues, management, and other stakeholders within the company. Evaluate new data and partner data sources for underwriting and line assignment strategies using statistical analysis techniques such as CHAID Decision Trees, optimization procedures, loss forecasting, enhanced process monitoring, data quality analyses, and incorporate score implementations supporting launch. Develop and monitor customized manual underwriting process. Work with Segment / Strategic Analytics / Decision Science staff to ensure project completion within agreed time frames and end‑client satisfaction. Analyze, validate, track, and monitor delivered projects. Interact with Business Development and/or Client Management to discuss new opportunities and/or changes to client portfolio. Primary Responsibilities Deliver profitable growth through the development of new strategies and the optimization of existing strategies through the assessment of credit risk and P&L drivers. Develop and maintain Key Performance Indicators (KPI). Develop strategies focusing on growth, profitability, and competitive success while catering to needs of the consumer. Apply knowledge of credit card regulations in the development, implementation, and monitoring of credit strategies. Perform ad‑hoc and recurrent credit risk analytical work. Collaborate and partner across the business (Risk, Marketing, Business Development) to drive highly visible and impactful projects. Communicate strategies to management and other stakeholders. Qualifications Bachelor’s degree and 5+ years of Credit Card Industry experience. Fundamental knowledge of credit scoring, underwriting, and credit risk management. Familiar with a wide variety of credit card industry concepts, practices, and metrics across credit policy, credit risk, and loss forecasting. Extensive experience working hands‑on with SAS/SQL or equivalent to independently write queries to generate reports and perform ad‑hoc analyses. Proficiency in analytical or reporting tools such as SAS, R, Python, or Tableau. Excellent written and verbal communication skills. Benefits Generous PTO and holiday schedule. 401(k) with company match. Employee stock purchase plan. Ongoing training (lunch & learns, financial and health webinars). Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status. #J-18808-Ljbffr Atlanticus