Sr. Risk Analyst
Company Name:
CM Enterprises
Senior Risk Analyst
The Senior Risk Analyst will be responsible for the management of analytical reporting and data analysis in support of the Risk and Business Development areas of the business. In addition, this position will lead the efforts of measuring and monitoring the risk, credit quality and performance of the company's portfolio. The role requires an exceptional blend of problem solving, business acumen/context and expert analytical skills to derive actionable items from data. This person should be capable of developing a deep understanding of the Company's business and work closely with cross functional teams, including senior management, to identify both risks and opportunities while improving the business processes within each department.
Candidates should be comfortable with small company environments and expected to concurrently manage multiple complex projects and thrive in a fast-paced dynamic organization. Focus will be in the areas of risk assessment, data mining, quantitative and statistical analysis, reporting and business intelligence, forecasting and modeling, credit risk / scorecards and collection policy and strategy. The position will report to the Director of Data Analytics.
Primary Duties and
Responsibilities:
Responsible for developing collection optimization strategies and monitoring
Responsible for designing, maintaining and monitoring of origination's scorecard models
Track and report risk/loss events and trends and monitor overall portfolio risk and performance
Analyze and forecast originated portfolios, including predicting loss and delinquency
Review current business practices and make recommendations on changes based on cost/profitability
Generate monthly risk book / report which contains overall portfolio results - including static pools and department information as well as forecasts that accurately depict the expectations of the portfolio
Design, develop and implement risk models and strategies for account management, underwriting, collections, profitability, and customer relationship management
Collaborate with finance, structured finance and cost management in financial forecasting and trend models and analysis
Collaborate and coordinate clear direction for the company's long-term growth plan using business intelligence and market feedback
Perform portfolio analyses to identify patterns and improvements in the areas loss frequency and overall risk mitigation
Independently develop techniques for data collection, data mining, analysis and presentation of findings
Create/update/maintain model to predict profitability and liquidity needs
Utilize data to predict losses, forecast ROA, and appropriately price for credit risk in order to maximize net income
Experience in developing cash flow and forecasting models (NPV, break even analysis, profitability optimization)
Perform other projects as required
Required Skills:
Bachelors Degree required, strong preference for quantitative or business discipline such as Finance, Economics, Econometrics, Statistics, Mathematics, Engineering or Computer Science
A minimum of 3 years' experience in related field(s) with automotive lending experience a strong plus
Outstanding analytic and problem-solving abilities
Strong communication skills and detail oriented
Ability to perform in a rapidly changing, high intensity environment
Excellent understanding of lending economics, industry trends, and key drivers of profitability
Expert skills in the area of quantitative analysis, statistical model development, and forecasting
Financial institution, lending or banking knowledge
Able to manage, control, and complete multiple competing assignments simultaneously while maintaining accuracy and quality
Ability to calculate complex mathematical equations, ratios, values and other related calculations
Strong desire to achieve and succeed
Expert Excel and SQL (SSRS and SQL report builder)
The ideal candidate has significant hands-on experience in working within a risk department at a consumer finance entity. The candidate will have experience in high-growth company environments where creative solutions and cross-functional teams are required. Demonstrating an honest, professional, ethical standard is essential. Position will be located at either the company headquarters in Chadds Ford, PA or its Western Regional office in Phoenix, AZ.Estimated Salary: $20 to $28 per hour based on qualifications.
CM Enterprises
Senior Risk Analyst
The Senior Risk Analyst will be responsible for the management of analytical reporting and data analysis in support of the Risk and Business Development areas of the business. In addition, this position will lead the efforts of measuring and monitoring the risk, credit quality and performance of the company's portfolio. The role requires an exceptional blend of problem solving, business acumen/context and expert analytical skills to derive actionable items from data. This person should be capable of developing a deep understanding of the Company's business and work closely with cross functional teams, including senior management, to identify both risks and opportunities while improving the business processes within each department.
Candidates should be comfortable with small company environments and expected to concurrently manage multiple complex projects and thrive in a fast-paced dynamic organization. Focus will be in the areas of risk assessment, data mining, quantitative and statistical analysis, reporting and business intelligence, forecasting and modeling, credit risk / scorecards and collection policy and strategy. The position will report to the Director of Data Analytics.
Primary Duties and
Responsibilities:
Responsible for developing collection optimization strategies and monitoring
Responsible for designing, maintaining and monitoring of origination's scorecard models
Track and report risk/loss events and trends and monitor overall portfolio risk and performance
Analyze and forecast originated portfolios, including predicting loss and delinquency
Review current business practices and make recommendations on changes based on cost/profitability
Generate monthly risk book / report which contains overall portfolio results - including static pools and department information as well as forecasts that accurately depict the expectations of the portfolio
Design, develop and implement risk models and strategies for account management, underwriting, collections, profitability, and customer relationship management
Collaborate with finance, structured finance and cost management in financial forecasting and trend models and analysis
Collaborate and coordinate clear direction for the company's long-term growth plan using business intelligence and market feedback
Perform portfolio analyses to identify patterns and improvements in the areas loss frequency and overall risk mitigation
Independently develop techniques for data collection, data mining, analysis and presentation of findings
Create/update/maintain model to predict profitability and liquidity needs
Utilize data to predict losses, forecast ROA, and appropriately price for credit risk in order to maximize net income
Experience in developing cash flow and forecasting models (NPV, break even analysis, profitability optimization)
Perform other projects as required
Required Skills:
Bachelors Degree required, strong preference for quantitative or business discipline such as Finance, Economics, Econometrics, Statistics, Mathematics, Engineering or Computer Science
A minimum of 3 years' experience in related field(s) with automotive lending experience a strong plus
Outstanding analytic and problem-solving abilities
Strong communication skills and detail oriented
Ability to perform in a rapidly changing, high intensity environment
Excellent understanding of lending economics, industry trends, and key drivers of profitability
Expert skills in the area of quantitative analysis, statistical model development, and forecasting
Financial institution, lending or banking knowledge
Able to manage, control, and complete multiple competing assignments simultaneously while maintaining accuracy and quality
Ability to calculate complex mathematical equations, ratios, values and other related calculations
Strong desire to achieve and succeed
Expert Excel and SQL (SSRS and SQL report builder)
The ideal candidate has significant hands-on experience in working within a risk department at a consumer finance entity. The candidate will have experience in high-growth company environments where creative solutions and cross-functional teams are required. Demonstrating an honest, professional, ethical standard is essential. Position will be located at either the company headquarters in Chadds Ford, PA or its Western Regional office in Phoenix, AZ.Estimated Salary: $20 to $28 per hour based on qualifications.
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