Overview Senior Manager, Credit Risk Analytics Carrollton, TX Position Summary The Senior Manager of Credit Risk Analytics is responsible for becoming a leader within the Credit Risk organization while growing and enhancing the Company’s portfolio performance. You will design, develop and maintain risk models and quantitative strategies that support the customer approval process, decision engine logic, and overall customer risk management. In this position, you will collaborate regularly with Operations, Finance, Data Team and Product Management teams to collect & analyze large sets of data, develop and conduct analyses, build models, design underwriting strategies, and make recommendations to manage customer risk, maximize revenue, improve margins, and create significant value for the business. Essential Responsibilities Build and refine credit risk strategies for lending products, continuously improving approval criteria, credit limit cut offs, and overall performance. Present clear and actionable business strategies to senior management, ensuring alignment with company objectives. Use data analytics to identify trends in portfolio performance, offering strategic recommendations to optimize risk in line with company goals. Develop code and execute queries to extract, manage and analyze existing data. Design strategies (and tests) to constantly refine risk models, decision engine logic and pricing parameters. Create the necessary reporting and monitoring processes to track portfolio performance of underwriting models and strategies. Collaborate with cross-functional teams to uncover new insights from data, recognize patterns, and present recommendations to the Executive team. Undertake ad-hoc analysis as needed to support business objectives. Minimum Qualifications 3+ years' experience in the unsecured lending space Advanced degree in a highly quantitative field (e.g., Statistics, Mathematics, Economics, Information Systems, etc.) Numbers focused background and strong analytical skills including experience with analytical software, e.g. SQL, Python. Enjoy solving complex business problems. 6+ years in decision analytics, risk modeling and/or predictive statistics related functions Proficient with the use of advanced statistical analysis software and capabilities (fluency in at least two of the following: R, Python, SAS, SQL, PowerBI) Strong experience with data architecture, data mining and data integration Ability to conduct extensive data research and handle large datasets Experience in Subprime Unsecured Lending, FinTech, Risk Management, etc. Exposure to managing Unsecured Loan Portfolio (BIG plus) Ability to communicate complex ideas concisely, in both written & oral formats What We Offer Our Benefits Include* Flexible Paid Time Off A comprehensive new hire training program Access to a robust learning management system, full of e-learning modules and training programs to help boost your professional and personal development Performance-based career advancement Multiple coverage choices for medical insurance, all include free telemedicine and medical spending account (HSA/FSA) options Traditional 401(k) and Roth 401(k) Retirement plan with a generous Company match program Company-Sponsored Life and AD&D Insurance Voluntary benefits, including dental, vision, short-term and long-term disability plans, accident, critical illness, hospital confinement insurance, and even pet insurance Diverse Culture and Inclusive Environment A relaxed, business casual dress code that includes jeans and sneakers! *Based on current benefit offering, which is subject to change with or without notice. Certain benefits are subject to the terms and conditions of the governing plan documents which should be consulted for additional details and eligibility requirements. Our Workplace Awards and Recognition We are honored to be recognized as a Military Friendly Employer for 2022, 2023, and 2024, a Best Company to Work for by InHerSight, and have received designation as a Top Employer for Hispanic and Latinos by HLPA in 2023 and 2024. About Us The Community Choice Financial® Family of Brands ("CCF" or the “Company”), is one of the largest consumer specialty finance organizations in the U.S. We provide our Customers, Team Members, and Communities the Power of Choice with over 10 brands represented in more than 1,500 brick-and-mortar stores serving 24 states and online product offerings in 20 states. Community Choice Financial® is the parent company to brands including Cash 1®, Check Into Cash®, CheckSmart®, Easy Money®, InstaLoan®, Rapid Cash® and Speedy Cash®, TitleBucks®, and TitleMax®. We are 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. 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 backgrounds are encouraged to apply. CCFI Companies, LLC is an equal-opportunity employer. #INDCORP