Director of Decision Analytics and Underwriting

About the position

The Director of Decision Analytics and Underwriting plays a crucial role in the success of Cash Factory USA by providing leadership and strategic guidance in customer risk management and profitability programs. This hands-on position involves developing and implementing underwriting and loan performance strategies for the consumer lending business, ensuring loan portfolio growth, and collaborating with senior management on product development and pricing.

Responsibilities
• Develop and implement underwriting and customer performance models.
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• Build, implement, and monitor models/strategies for responsiveness, pricing, and effectiveness of marketing channels.
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• Monitor trends and maintain knowledge of market and industry developments related to underwriting and pricing models.
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• Manage key metrics of the loan portfolio to achieve a risk/reward balance.
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• Create and monitor lending policies and guidelines to ensure compliance with regulations.
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• Ensure loan documentation is timely, complete, and accurate.
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• Participate in the strategic planning process with senior managers.
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• Serve as the principal technical advisor for consumer loan loss experience.
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• Present information and business plans to the Credit Committee.

Requirements
• B.S. degree in Mathematics, Statistics, Operations Research or other quantitative disciplines; Master's degree preferred.
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• Six to eight years of experience in lending principles, model development, and deployment in a consumer financial fintech or lending company.
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• Minimum of 3 years of management experience.
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• Advanced SQL and Python coding experience.
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• Advanced knowledge of statistics and analytical tools.
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• Experience in building statistical models from start to finish.
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• Strong leadership abilities and interpersonal skills.

Nice-to-haves
• Experience in subprime lending or credit card lending.

Benefits
• Dental insurance
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• Health insurance
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• Paid time off
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• Vision insurance
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• Bonus opportunities

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