Jr. Risk Analyst

Join the nation’s leader in second-look financing as a Jr. Risk Analyst!

Summary

As a risk analyst, your primary role will be to perform empirically derived analysis to understand business performance, identify improvement opportunities, and develop strategies. This position offers growth opportunities for someone who is passionate about analyzing business performance, making data-driven decisions, and testing and optimizing strategy.

As Our Jr. Risk Analyst You Will

• Analyze business performance, identify improvement opportunities, deliver recommendations, and manage implementation.
• Develop Underwriting strategies for consumer loans by connecting behaviors and characteristics to credit trends, leveraging new/better data and risk models, and managing implementation considerations.
• Perform all duties and responsibilities leveraging strong quantitative, critical thinking, and communication skills.
• Manage and manipulate large data sets using a variety of software packages.
• Recommend and evaluate test strategies with a focus on profitability and implementation.
• Analyze underwriting strategies and criteria, and develop strategies to improve portfolio performance.
• Effectively communicate analytical approach, relevant findings, and recommendations with supporting evidence throughout the organization.
• Thoroughly review all datasets, analysis and presentations for accuracy.
• Perform ad-hoc queries and create ad-hoc reports to support analysis.
• Interact with various business area managers on a regular basis.

Accountability:

You will be directly accountable for accurate structuring and analysis of data sets, graphs and reports. All reports, analyses, and recommendations should be completed in a timely manner and with extreme attention to detail. You will be able to present your work regularly and provide supporting evidence for your recommendations.

Requirements

• Bachelor’s degree in Economics, Business, Mathematics, Computer Science, MIS or related field or equivalent experience.
• Excellent problem solver, disciplined attention to detail, great communicator.
• Strong ability to work proactively and collaboratively in a cross-functional team to drive results.
• Strong quantitative skills and communication skills – verbal and written.
• Self-starter with ability to work independently or in a team.
• Familiarity with credit bureaus and alternative data sources.
• Strong MS SQL Server experience (or ability to learn quickly).
• Extensive use of Microsoft Excel will be required.
• Experience with R, Python, or SAS also valuable.

About Genesis

Genesis Financial Solutions is the nation’s leading and largest provider of private label credit programs for non-prime consumers. The company originates private label credit cards through point-of-sale partnerships with retailers and health care providers. In addition, we have a fast-growing direct-to-consumer business, originating non-prime MasterCard accounts. Both products provide underserved consumers access to the financing they need to pursue their life goals.

We attribute our leading position in the industry to a strong focus on providing outstanding service to both retail partners and end consumers. We pride ourselves on offering the same credit experience that prime customers receive. Sophisticated analytics, high-quality execution, strict adherence to regulatory and compliance requirements and an unmatched expertise in risk management all make this possible.