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Hybrid Credit Risk Manager

Hive Financial Systems · Atlanta, United States Of America · Hybrid

  • Professional
  • Office in Atlanta
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Job Title: Credit Risk Strategy Manager 

Location: Atlanta, Georgia  

Overview: 
We are looking for a strategic thinker with deep analytical skills to join our Credit Risk team. This role blends quantitative expertise, credit underwriting knowledge, and business acumen to shape lending strategy. You’ll use Python and advanced analytics to evaluate datasets of all sizes, identify trends, and quantify the profitability and risk of potential changes. Your insights will directly inform executive decision-making and long-term credit policy. 

Key Responsibilities: 

  • Drive strategic credit risk analyses to guide underwriting policy and portfolio optimization. 
  • Use Python and statistical modeling to assess the impact of proposed changes on profitability, loss rates, and risk exposure. 
  • Translate data findings into actionable business strategies, balancing growth objectives with risk management. 
  • Work with datasets ranging from targeted samples to large-scale transactional databases, ensuring accuracy and integrity. 
  • Partner with senior leaders in Risk, Finance, and Product to evaluate and prioritize strategic initiatives. 
  • Present recommendations to executives and stakeholders in clear, compelling, and financially grounded terms. 
  • Monitor external market conditions and internal performance metrics to proactively adjust strategy. 

Qualifications: 

  • Bachelor’s or Master’s in Statistics, Economics, Finance, or related field. 
  • 4+ years in credit risk analytics, underwriting strategy, or related function in financial services. 
  • Advanced proficiency in Python (pandas, NumPy, scikit-learn, visualization libraries) and SQL. 
  • Strong understanding of credit risk principles and strategic portfolio management. 
  • Proven track record of influencing business strategy through data-driven recommendations. 
  • Exceptional communication skills—able to explain complex analyses to senior decision-makers. 
  • Strategic mindset with high attention to detail and a bias for action. 

 

Preferred: 

  • Experience in sub-prime or near-prime consumer lending. 
  • Familiarity with profitability modeling, ROI analysis, and credit scoring techniques. 
  • Exposure to BI tools (Power BI, Tableau) and big data/cloud platforms. 

What We Offer: 

  • A high-impact role shaping the future of our lending strategy. 
  • Direct access to senior leadership and decision-making forums. 
  • A collaborative environment where strategic thinking meets technical execution.