Manager of Scoring Risk - Toronto, Canada - CURO Financial Technologies Corp

CURO Financial Technologies Corp

Verified Company

Toronto, Canada

3 weeks ago

Posted by:

Sophia Lee

beBee Recruiter

Description

Overview:

This is a fully remote position, based in Canada.
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

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.

Responsibilities:

Develop credit risk strategies and enhancements for the assigned loan portfolio to improve performance (reduced defaults, increased receivables and/or revenue)
Provide design and monitoring for credit risk oversight framework including development of credit risk appetite, risk metrics thresholds, and limits
Proactively analyze portfolio performance at the granular level using bureau data, cash flow data, and transactional data to identify emerging credit trends and conduct rootcause analysis and isolate key performance drivers
Conduct A/B tests to reduce credit risk, improve customer experience, and optimize profitability on acquisition initiatives
Lead projects independently and perform ad hoc analysis as needed
Support Leadership in preparing reports and documentation for regulatory reviews and audit activities
Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment process
Develop and enhance 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.
Utilize relational database and/or analytical programs to create data for analysis and monitoring of strategies and models
Forecast impact of strategy changes on key business performance metrics such as revenues, balances and losses
Effectively coach and support teammates to identify actionable insights, suggest recommendations, and influence the direction of the business
May directly supervise one or more associates

Qualifications:

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 openend 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 datadriven 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 problemsolving skills and ability to work effectively with mínimal Comfortable working both independently and in a team environment.
Base Salary: $100,000 $150,000 CAD_
The base hourly range represents the low and high end of the anticipated hourly range for this position based on the provincial average. The actual base hourly offered for this fulltime position will be determined by various factors, including, but not limited to, location, skills, knowledge, competencies, and experience._
All fulltime salaried employees are also eligible for the following benefits: Paid Time Off Program, Medical, Dental, Vision, Long Term Disability, RRSP, and other voluntary coverages._

EEO Statement:

CURO Supports Equal Employment Opportunity. CURO (dba Cash Money, LendDirect, Flexiti, 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 disc