Job description

Community Choice Financial is one of the largest, fastest growing providers of short-term loans and financial services in the United States. Our licensed, direct lending products and heightened customer service focus are at the core of what we offer.

We have an upbeat, friendly, and fast-paced environment. Our employees are excited to be a part of the

Community Choice Financial family, as evidenced by our low turnover rates and energized company culture. We’ve consistently grown well ahead of other short-term loan lenders and are primed for continued growth and enduring success.

Come and work for a Fintech company that has distinguished itself from competitors with quality product offerings, genuine customer service, robust operating systems, state-of-the-art call center, and a track record of new product innovation!

US Remote

At Community Choice Financial, managing risk is very important to us. Our goal is to ensure we are providing access to money to underbanked consumers, while minimizing the company’s financial and regulatory risk. Reporting to the VP of Credit Risk, this team member will utilize customer loan data and provide analysis across various aspects of customer life cycle including underwriting, account management and/or collections. You will be responsible for developing, designing and implementing underwriting and portfolio management account risk strategies.

CORE ACCOUNTABILITIES:

• Ability to develop fraud prevention strategies for the assigned loan portfolio as evidenced from improved performance (reduced defaults, increased receivables and/or revenue) and achieving desired business objectives.
• Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment
• Develop dashboards to monitor and analyze portfolio and segment-level performance including performance of implemented strategies.
• Develop and enhance the reporting structure for the assigned markets/products. This includes developing/modifying scoring datasets/warehouse and developing monitoring reports for use in performance tracking.
• Utilize relational database and/or analytical programs to create data for analysis and monitoring of strategies and monitoring of strategies and models.
• Work closely with internal groups to devise risk policies. Identify actionable insights, suggest recommendations, and influence the direction of the business by effectively communicating results to cross functional groups.
• Forecast impact of strategy changes on key business performance metrics such as revenues, balances, and losses.
• Become familiar with assigned markets and products for use in developing/modifying fraud prevention strategies to meet business goals.
• Successfully manage multiple projects and timelines.

CANDIDATE PROFILE:

• BS/MS in a quantitative discipline (statistics, math, qualitative social science, operation management, finance) or equivalent working experience.
• 4+ years of experience in fraud risk or analytical experience in a related industry. Experience in

Financial Services with emphasis on risk management/scoring of consumer lending products.

• Intermediate to advanced experience in SQL, SAS or Python.
• Solid analytical skills and an understanding of how to utilize data to target improvements and solve problems.
• Strong organizational skills and the ability to communicate effectively, both verbally and in written form.
• Exceptional problem-solving skills and ability to work effectively with minimal supervision.
• Comfortable working both independently and in a team environment.

Community Choice Financial Supports Equal Employment Opportunity. Community Choice Financial (dba

Speedy Cash, Rapid Cash, Cash Central, Check into Cash, CheckSmart, Avío Credit) is committed to a

policy of providing equal employment opportunity to all qualified employees and applicants. This

commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race,

color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in

any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline.

Additionally, we do not discriminate based on any other characteristic protected by applicable state or

local law where a particular employee works. In addition, it is the policy of Community Choice Financial to

provide reasonable accommodation to qualified employees who have protected disabilities to the extent

required by federal law and any state law where a particular employee works.

This employer participates in E-Verify.

Job Type: Full-time

Pay: From $110,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Day shift
• Evening shift
• Holidays
• Monday to Friday
• Weekend availability

Work Location: Remote

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