Manager, Credit Risk Strategy

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $110k - $150k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Strategy

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Octane

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2014

🚘 Automotive

📦 Logistics

💸 Finance

💰 $375M Debt Financing on 2022-08

Automotive • Logistics • Finance

Octane is a company that provides seamless and instant financing solutions for vehicles such as motorcycles, ATVs, and mowers. With a focus on simplifying the financing process, Octane offers instant credit decisions, competitive rates, and personalized financing options through platforms like Roadrunner Financial. Their integrated financing solutions are designed to enhance the buying experience both online and in-store, offering a range of programs for prime, credit builder, and first-time buyers. Octane aims to cater to more customers by offering flexible terms and real payment options, all while ensuring the process is transparent and efficient.

📋 Description

• Establish and oversee credit strategies aligned with Octane’s risk appetite. • Analyze origination and loan performance data to develop optimal underwriting strategies that grow lending responsibly and enhance portfolio profitability. • Perform advanced data analytics and advise on underwriting strategies for loan origination, loan amount assignment, and loan pricing. • Work cross-functionally with Tech, Product, Sales, and Finance teams to implement credit product initiatives and optimize existing credit strategies. • Own credit policy documentation and enhance policies and processes to mitigate credit risk exposure. • Design and monitor key KPIs to provide insights into the credit lifecycle. • Maintain quality control and validation for risk processes. • Collaborate with the portfolio risk team to track credit performance and manage the portfolio within risk appetite. • Develop business insights and communicate proposals to C-level audiences and external partners.

🎯 Requirements

• A Bachelor’s degree in a quantitative field such as statistics, econometrics, decision sciences, or engineering (advanced degree preferred). • Strong understanding of consumer credit and lending lifecycle. • 4+ years of experience in performing credit analysis, including experience with data visualization tools such as Tableau/Power BI. • Exceptional hands-on experience with Python, SQL, and Excel. • Experience taking analyses from raw data to polished recommendations and communicating complex, technical findings to broad audiences. • Strong written and oral communication skills.

🏖️ Benefits

• Bonus eligibility • Stock option package • Robust Health Care Plans (Medical, Dental & Vision) • Generous Parental Leave • Flexible Time Off (FTO) Policy - Time Off When You Need It • Retirement Plan (401k) with company match! • Educational Assistance/Tuition Reimbursement up to $3K/year • Life Insurance (Basic, Voluntary & AD&D) • Short Term / Long Term Disability • Robust Ancillary benefits including accident insurance, hospital insurance, etc • Wellhub (Gympass) Wellness Benefit • Recreational Safety Benefit