The Senior Risk Analytics Manager will report to the Head of Credit Risk.
As the Senior Risk Analytics Manager, you will
- Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company・・s risk appetite.
- Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
- Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
- Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
- Independently validate models to ensure they are conceptually sound and perform as intended.
- Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
- Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
- Present results with insights on trends and drivers.
- Communicate forecast results, insights, and recommendations to leadership and business partners.
- Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
About You
- 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
- 5+ years of experience in SQL and/or Python programming for data analysis and model development
- Strong business acumen in lending products and sophisticated risk data analysis
- In-depth understanding of model risk governance frameworks
- A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
- Excellent communication and presentation skills
- Knowledge of applicable laws and regulations governing the lending industry
- Experience in Business Intelligence / Reporting tools such as Looker or Tableau
Even Better
- Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
- Expertise in statistical models
- Expertise in Excel and Google Slides
- Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
- Ability to prioritize and multitask on various projects
- Ability to methodically execute complex analytical processes accurately and efficiently
- Intellectual curiosity, critical thinking, and problem-solving skills
- Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
- Strong ownership and ability to collaborate well with business partners
Where
- This role will be based in the US.
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