Senior Forecasting Analytics Manager

Yesterday

🤠 Texas – Remote

Although this job is listed in Texas, this company may be open to hiring remote in other states.

💵 $131k - $195k / year

⏰ Full Time

🟠 Senior

📉 Data Analyst

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Self Financial, Inc.

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Finance • Fintech

Self Financial, Inc. is a company dedicated to helping individuals build their credit scores through innovative financial products. The company offers a range of services including the Self Credit Builder Loan and the Self Visa® Credit Card, which are designed to help users improve their credit scores by making on-time payments. Self Financial also provides resources and guidance on personal finance and credit building through its blog and educational content. The company places an emphasis on trust, security, and customer support, aiming to empower its users with the financial tools they need to enhance their creditworthiness.

51 - 200 employees

Founded 2015

💸 Finance

💳 Fintech

📋 Description

• Perform loss forecasting for credit cards, credit builder accounts, and other consumer lending product types. • Assume ownership of the CECL reserve model and governance processes. • Develop and refine forecasting techniques to project delinquency, roll rates, losses and recoveries to drive business planning and tracking. • Preparation of regular portfolio review materials for the Credit Committee. • Develop and maintain forecasts in support of servicing operations, such as credit bureau dispute volumes, contact activity, etc. • Deliver timely analytical support for requests from finance, bank partners, and other external data requests. • Conduct deep dives, stress testing, and sensitivity analyses of trends, issues, and business events to assess impact on portfolio performance. • Partner with the Credit Strategy teams to explore new approaches, models, and data sources to support innovation in risk strategies. • Review and approve monthly credit card revenue reports for reconciliation with bank partners. • Participate in collaboration with the data team to design data sources and data structures to enable efficient and high integrity credit risk analytics. • Develop vintage curves of activation, utilization, losses, etc. for card unit economics modeling.

🎯 Requirements

• Bachelor’s degree in Engineering, Computer Science, Statistics, Economics, Finance, or similar fields. Advanced quantitative degree is preferred. • 7+ years experience in banking or consumer lending credit risk management. • 5+ years experience with credit analytics and/or loss forecasting. • Experience with the sub-prime consumer segment is highly desirable. • Experience using time series analysis, statistical modelling, machine learning, vintage curves, and roll rates to analyze loan performance. • Deep familiarity with a range of credit performance metrics used in consumer lending. • Highly proficient with analytical tools such as SQL, R, SAS, and Python. • Proficiency with Microsoft Excel and/or Google Sheets is required. • Familiarity with business intelligence tools like Tableau, Power BI, Domo, etc. • Posses a basic understanding of the regulatory environment for consumer lending. • Excellent writing, documentation and presentation skills. • An innate curiosity about the way things work. • Relentless persistence in solving problems.

🏖️ Benefits

• Company equity in the form of Stock Options • Performance-based bonuses • Generous employer-paid health, vision and dental insurance coverage • Flexible vacation policy • Educational assistance • Free gym membership • Casual dress code • Team building events and activities • Remote work arrangements/ flexible work schedule • Paid parental leave