Manager, Credit Risk

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Our deep roots in the financial industry have empowered us to develop convenient, easily accessible financial services that meet our customers' growing needs.

Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued. Our portfolio includes distinguished brands like Cash Money®, LendDirect® and Heights Finance. Each brand is constantly evolving to better serve our customers.

Be part of a dynamic team that is shaping the future of consumer finance. Apply today and take the next step in your career with Attain Finance!

Evergreen Opportunity:

We are continuously building our talent pipeline for current and future opportunities. Qualified candidates may be considered as positions become available. 

As a member of our Risk Department, you will be a part of a very dynamic, learning-oriented risk team that thrives on innovation and opportunities to spearhead the deployment of new technologies for managing the growth of Attain’s lending portfolios.

The Credit Risk Manager is responsible for developing and executing credit risk strategies that optimize portfolio performance across multiple loan products. This role serves as the primary subject matter expert on credit decisioning processes, partnering with stakeholders across operation, product, finance and compliance teams 

• Design, implement, and continuously enhance credit risk strategies for assigned loan portfolios to reduce defaults, grow receivables, and improve revenue performance 

• Conduct granular portfolio analysis leveraging bureau, cash flow, and internal behavior data to identify emerging credit trends, perform root-cause analysis, and isolate key performance drivers 

• Forecast the financial impact of strategy changes on critical business metrics including credit losses and receivable 

• Support leadership in preparing materials for regulatory reviews, audits, and board-level reporting 

• Ensure compliance with credit risk policies and maintain documentation standards across all risk activities 

• Partner with the Modeling & Scoring team to deploy risk strategies informed by new and updated models, improving deployment effectiveness and strategy performance monitoring 

• Develop and enhance reporting infrastructure for assigned markets, products, and channels, including application and booked datasets and performance tracking dashboards 

• Utilize relational databases and analytical tools (e.g., SQL, Python) to build datasets for strategy analysis and model monitoring 

• Clearly communicate changes to risk factors and underwriting logic to ensure alignment across functions 

• Lead independent projects and deliver ad hoc analysis to support strategic business decisions 

• May directly supervise one or more associates 

• BS or higher in a quantitative discipline (Statistics, mathematics, qualitative social science, operation management, finance, physics, ) or equivalent working experience 

• 5+ years of professional experience in credit risk analytics. Strong knowledge in Financial Services with emphasis on risk management/analytics of loan or card product 

• Advanced experience in SQL, SnowFlake, or relational databases 

• Working knowledge in Python, R, or other analytical tools preferred 

• Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred 

• Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and provide data-driven insights 

• Strong business acumen with ability to translate analytical efforts to business results 

• Strong organization skills and the ability to communicate effectively, both verbally and in written 

• Exceptional problem-solving skills and ability to work effectively with minimal Comfortable working both independently and in a team environment. 

Base Salary:  $120,000 - $160,000 USD

The base salary range represents the low and high end of the anticipated salary range for this position based on the U.S. average. The actual base salary offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.

All full-time salaried employees are eligible for the following benefits, starting on day one: Flexible Paid Time Off Program, Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages. You will also be eligible to participate in our 401k program, starting on the first of the month following 30 days of employment with a company match.

This employer participates in E-Verify for US-based hires.

#AttainFinance #remote

Attain Finance Supports Equal Employment Opportunity. Attain Finance (dba Cash Money®, LendDirect®, and Heights Finance) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works.

Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end in @attainfinance.com, @heightsfinance.com, @lenddirect.com, and @cashmoney.ca.