Senior Manager, Cash Flow Underwriting

Role Description

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued.

• 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 as an opportunity 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.
• Support Leadership in preparing reports and documentation for regulatory reviews and audit activities.
• 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 databases 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, with 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.
• Strong organization skills and the ability to communicate effectively, both verbally and in writing.
• Exceptional problem-solving skills and ability to work effectively with minimal supervision.
• Comfortable working both independently and in a team environment.

Requirements

• Base Salary: $150,000 - $190,000 USD.
• The actual base salary offered will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.

Benefits

• Flexible Paid Time Off Program.
• Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages.
• Eligibility to participate in the 401k program, starting on the first of the month following 30 days of employment with a company match.

Company Description

Attain Finance Supports Equal Employment Opportunity. CURO (dba Cash Money®, LendDirect®, Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants.