Manager - Consumer Credit & Risk en Andersen Corporation

SUMMARYThe Manager of Consumer Credit and Risk leads the captive finance program's credit risk management function for unsecured home improvement loans and drives strategic risk initiatives across the program. This includes developing data-driven credit risk strategies, pricing, loan amount and offer strategy frameworks, managing complex portfolios, and engaging leadership to ensure sound credit decision-making while supporting business growth objectives.PRIMARY RESPONSIBILITIESLead credit risk management & pricing for the captive finance program. Collaborate with leaders to develop the initial credit policy for the captive through data-driven credit risk models, pricing to meet profitability objectives, and loan amounts that balance risk and sales objectives. Document and maintain the credit policy and models through their evolution. Develop and implement robust credit risk strategies, including credit scoring models and risk mitigation policies, to optimize performance. Regularly assess the credit quality of the loan portfolio and ensure alignment with business goals, regulatory standards, and industry best practices. Conduct stress testing and scenario analysis to identify potential vulnerabilities in the loan portfolio. Identify third-party data providers that can provide data to inform our credit model for use in real-time decisioning. Make recommendations and implement credit policy adjustments.Monitor loan performance, delinquency, charge-offs, and other key risk indicators on an ongoing basis. Develop and maintain comprehensive reports and dashboards to present portfolio trends and performance to leadership, bank sponsor(s), and capital partners.Provide credit and analytical guidance and education to the broader team to foster a culture of continuous improvement. Lead initiatives for team training and development as pertains to both credit and analytical tools and modeling.QUALIFICATIONS AND SKILLSBachelor's degree in math, statistics, or finance (MBA a plus)Minimum of 5 years of experience in credit risk management, with a focus on point-of-sale lending (ideally in the home improvement vertical) or unsecured personal loans.Strong analytical skills and the ability to interpret complex credit and financial dataAdvanced proficiency in data analysis tools (e.g., Excel, SAS, SQL, Python) to understand and run risk and credit models. Experience in AI is a plusStrong communication and presentation skills, with the ability to explain complex risk and financial concepts to non-technical stakeholders.COMPENSATION Pay is based on several factors, including but not limited to work experience, education, geographic location, certifications, etc. Your recruiter can share more about the specific compensation package for your preferred role during the hiring process. Successful candidates in this role are expected to earn $108,941 to $168,859. Solicitar ahora