Senior Manager, Risk Strategy

Job not on LinkedIn

🔥 19 minutes ago

🇲🇽 Mexico – Remote

⏰ Full Time

🟠 Senior

🎲 Risk

👻 Ghost score 12%

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Oportun

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2006

💼 Consulting

🛡️ Insurance

💳 Fintech

Consulting • Insurance • Fintech

Oportun is a financial technology company that specializes in providing affordable personal loans and savings solutions. They are recognized as Bankrate's #1 app for saving money in 2024. Oportun offers personal loans ranging from $300 to $10,000 for various financial needs such as bills, repairs, and deposits, with quick funding and affordable payments. The company provides a unique app that helps users manage their loans and saves money intelligently. Oportun also focuses on financial education and offers tools like loan calculators and prequalification services, which do not impact credit scores. Although Oportun is not a bank, they ensure deposits are FDIC insured through partner banks.

📋 Description

• Lead development and ongoing optimization of underwriting and pricing strategies for a large lending portfolio • Balance responsible growth, credit performance, customer outcomes, and risk-adjusted profitability • Develop data-driven strategy proposals describing impacts on approval rates, credit losses, growth, revenue, customer outcomes, and profitability • Design and evaluate tests to optimize loan amounts, terms, and other offer attributes • Partner strategically with Risk, Product, Marketing, and Finance on business decisions and cross-functional initiatives • Use marginal profitability and valuation frameworks to assess risk-adjusted returns by customer and risk segment • Establish monitoring and measurement frameworks for strategy changes • Perform portfolio, customer, and strategy analysis using Python and SQL to identify risks, trends, and optimization opportunities • Use AI and analytical tools to reduce manual work, accelerate insights, and improve decision quality • Translate approved strategies into implementation and monitor business and credit outcomes

🎯 Requirements

• 8+ years of experience in consumer lending, credit risk, underwriting, pricing, portfolio strategy, or a closely related analytical strategy function • Bachelor's degree, preferably in a quantitative or business discipline such as Economics, Finance, Statistics, Mathematics, Engineering, or a related field • Strong expertise in consumer credit, underwriting strategy, pricing, portfolio analytics, and risk-return trade-offs • Advanced hands-on proficiency with Python and SQL, including the ability to independently analyze large and complex datasets • Experience using data visualization platforms or tools to communicate portfolio trends and strategic insights • Ability to develop analytically rigorous recommendations, frame strategic trade-offs, and influence senior management and governance committees • Strong cross-functional leadership skills and ability to partner across Risk, Product, Marketing, Finance, and technical or operational teams • Ability to translate approved strategies into implementation plans and establish monitoring frameworks measuring business and credit outcomes • Excellent written and verbal communication skills, including distilling complex analyses into clear, executive-ready recommendations • AI mindset: openness to experimenting, willingness to learn, and ability to apply new tools • Nice to have: 10+ years of related experience • Nice to have: Advanced degree in a quantitative or business discipline • Nice to have: Experience developing and implementing direct marketing and pre-qualified offer strategies • Nice to have: Familiarity with modern lending decisioning, experimentation, and portfolio monitoring frameworks • Nice to have: Experience using AI tools such as ChatGPT or Copilot

🏖️ Benefits

• Medical Insurance • Savings Fund • Life Insurance • Internet and Electricity Allowance • Paid time off such as vacation and parental leave • Competitive compensation and benefits package supporting physical, financial, and professional well-being

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