In this role you will...
The Risk Management Analyst Loss Mitigation will support the development execution and monitoring of strategies that minimize credit losses and improve recovery performance across Mariner Finances consumer lending portfolio. This entry-level role is ideal for a highly analytical and motivated individual looking to build a career in credit risk management.
The analyst will assist in analyzing portfolio trends testing loss mitigation initiatives and supporting cross-functional projects that enhance decision-making and operational effectiveness. Working closely with the AVP of Loss Mitigation and partners across Risk Credit and Central Operations this individual will gain hands-on experience with data analytics strategy design test design and risk process optimization in a fast-paced collaborative environment.
Responsibilities and Duties:
- Collect analyze and interpret data related to delinquency recovery and loss trends across all stages of the credit lifecycle.
- Prepare regular reports and dashboards summarizing key performance metrics for management review.
- Support ad-hoc analytical requests to investigate performance drivers portfolio movements and risk exposures.
- Assist in the implementation and tracking of loss mitigation strategies including hardship programs settlement offers and postcharge-off recovery tactics.
- Partner with Central Operations to ensure accurate and timely execution of strategy changes campaign launches and process updates.
- Participate in controlled testing and analysis of new strategies to evaluate effectiveness and impact.
- Maintain data accuracy within analytical tools reports and systems supporting loss mitigation processes.
- Help enhance existing tools and contribute to the design of new dashboards reports and automation workflows.
- Collaborate with Technology and Data Science teams to support model performance monitoring and data integration efforts.
- Partner with colleagues in Credit Collections Operations and Risk to ensure strategies are aligned and effectively executed.
- Support presentations and documentation for internal stakeholders including senior management and compliance reviews.
- Participate in projects that enhance the customer experience improve efficiency and strengthen overall risk controls.
- Develop a working knowledge of credit risk fundamentals loss mitigation strategies and consumer lending operations.
- Actively engage in ongoing training and mentorship from senior risk leaders to build technical analytical and business acumen.
- Stay current on industry trends emerging technologies and regulatory developments affecting credit and loss mitigation.
Required Qualifications:
- Bachelors degree in a quantitative field of study (Statistics Economics Finance Engineering Applied Mathematics etc.) with an exceptional academic record.
- Experience with SAS SQL or similar tools.
- Strong technical skills with proficiency in MS Office suite; Advanced in Excel (e.g. pivots advance formulas macros).
- Understanding of general risk principles and financial concepts.
- Demonstrate a strong commitment to continuous learning actively seeking out opportunities to acquire new skills and stay abreast of industry trends.
- Excellent interpersonal skills necessary to communicate professionally and effectively verbally and in writing with all levels of company staff.
- Highly-motivated self-starter with strong work ethic exceptional attention to detail and ability to complete tasks and support multiple projects simultaneously.
- Strong analytical problem-solving organizational and project administration skills.
- Results oriented individual with the ability to translate plans into actions.
Preferred Qualifications:
- Experience in credit loss forecasting and/or credit risk analysis.
- Experience with Python R or similar tools.
Hours of Work:
Work hours will depend on the business hours of the time zone serviced.
To the extent permitted by law the Company may in its sole discretion change the work schedule to address business needs.
Physical Demands:
While performing the duties of this job the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.
EEO:
Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race color religion creed sex gender gender identity or expression marital status age religion national origin sexual orientation familial or caregiver status citizenship status status as a victim of domestic violence medical condition genetic information pregnancy physical or mental disability or status as a disabled or Vietnam era must be able to perform the essential duties/functions of the position satisfactorily and if requested reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job absent undue workplace.
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