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SalaryOverview:
We have an upbeat, friendly and fast-paced environment. Our employees are excited to be a part of the CURO family, as evidenced by our low turnover rates and energized company culture. We’ve consistently grown well ahead of other loan lenders and are primed for continued growth and enduring success.
Come and work for a company that has distinguished itself from competitors with quality product offerings, genuine customer service, robust operating systems, state-of-the-art call center, and a track record of new product innovation!
At CURO, managing risk is of the utmost importance to us. Our goal is to ensure we are providing access to money to underbanked consumers, while minimizing the company’s financial and regulatory risk exposure. Reporting to the Director of Risk Strategy, this team member utilizes cash flow, application, and bureau data to provide analysis across various aspects of the customer life cycle including underwriting, account management and/or collections. The incumbent will be responsible for developing, designing, analyzing, and implementing underwriting and portfolio management account risk strategies.
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 CURO’s lending portfolios.
We are looking to hire at the Manager to Senior Manager level depending on experience and skill set.Responsibilities:
Base Salary: Manager Level $100,000 - $150,000, Senior Manager Level $140,000 - $200,000
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.
CURO is one of the largest, fastest growing full-spectrum consumer credit lenders in the United States and Canada. Our licensed, direct lending products and heightened customer service focus are at the core of what we offer.
We have an upbeat, friendly and fast-paced environment. Our employees are excited to be a part of the CURO family, as evidenced by our low turnover rates and energized company culture. We’ve consistently grown well ahead of other loan lenders and are primed for continued growth and enduring success.
Come and work for a company that has distinguished itself from competitors with quality product offerings, genuine customer service, robust operating systems, state-of-the-art call center, and a track record of new product innovation!
At CURO, managing risk is of the utmost importance to us. Our goal is to ensure we are providing access to money to underbanked consumers, while minimizing the company’s financial and regulatory risk exposure. Reporting to the Director of Risk Strategy, this team member utilizes cash flow, application, and bureau data to provide analysis across various aspects of the customer life cycle including underwriting, account management and/or collections. The incumbent will be responsible for developing, designing, analyzing, and implementing underwriting and portfolio management account risk strategies.
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 CURO’s lending portfolios.
We are looking to hire at the Manager to Senior Manager level depending on experience and skill set.
What you will be doing:
- Developing Credit Risk strategies and enhancements for the assigned loan portfolio to improve performance (reduced defaults, increased receivables and/or revenue)
- Providing design and monitoring for Credit Risk oversight framework including development of Credit Risk appetite, risk metrics thresholds, and limits
- Proactively analyzing portfolio performance at the granular level using bureau data, cash flow data, and transactional data to identify emerging credit trends and conduct root-cause analysis and isolate key performance drivers
- Conducting A/B tests to reduce Credit Risk, improve customer experience, and optimize profitability on acquisition initiatives
- Leading projects independently and perform ad hoc analysis as needed
- Operating as the subject matter expert in credit decision processes to support cross-functional teams and partnering with stakeholders to ensure understanding of changes to risk factors and the underwriting/ credit decisioning flow
- Supporting Leadership in preparing reports and documentation for regulatory reviews and audit activities
- Interfacing with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment process
- Developing and enhancing the reporting structure for assigned markets/products and channels. This includes developing/modifying scoring datasets/warehouse and developing monitoring reports for use in performance tracking.
- Utilizing relational database and/or analytical programs to create data for analysis and monitoring of strategies and models
- Forecasting impact of strategy changes on key business performance metrics such as revenues, balances and losses
- Effectively coaching and supporting teammates to identify actionable insights, suggest recommendations, and influence the direction of the business
- May directly supervise one or more associates
What you should have:
- 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 open-end products
- Advanced experience in SQL, SnowFlake, or relational databases
- Working knowledge in SAS, 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
- Experience in leading large strategic initiatives such as: launching new products, managing strategy and performance of assigned portfolio, implementing new vendors / data solutions
- Proven track record of effectively managing secured and unsecured lending products from Risk and PnL perspective
Base Salary: Manager Level $100,000 - $150,000, Senior Manager Level $140,000 - $200,000
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.
EEO Statement:CURO Supports Equal Employment Opportunity. CURO (dba Cash Money®, LendDirect®, Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit) 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 CURO 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.
