Risk Management Analyst – Loss Forecasting
FLSA Status
Exempt
Schedule: 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.
IND1 #LI-JA2 #LI- Onsite
In This Role, You Will: Develop and maintain models that project long and short-term credit loss, delinquencies, and credit reserves. Work closely with the senior leaders at Mariner Finance to ensure that projections align with changes in credit strategies and external factors influencing performance. Provide executive decision-makers with an up-to-date view of expected financial performance. Develop and support back-end loss mitigation strategies.
Responsibilities and Essential Duties:
- Develop and maintain loss forecasting and loan loss reserve models and produce forecasts of portfolio delinquency and losses.
- Leverage software, including Excel, SAS, R and Python to conduct portfolio analysis and provide evaluations of loan performance trends.
- Monitor macroeconomic trends and estimate potential impacts on portfolio to inform business strategy.
- Partner cross-functionally to understand impact of key business decisions on forward looking delinquency and loss expectations.
- Prepare reports and presentations to key stakeholders on forecast expectations and outcomes.
- Represent Risk Department in cross-functional projects and partners across the organization to execute on other key business priorities.
- May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service.
Required Qualifications:
- Bachelor’s 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.
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.
Disclaimer
This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.
Compensation: Salary (commensurate with experience) + Bonus
Benefits: Mariner Finance offers comprehensive benefits to eligible employees, including:
- Health Insurance - Health Savings Account (HSA) with employer contributions if enrolled in a qualifying plan, Flexible Spending Account (FSA), and Dependent Care FSA
- Vision Insurance
- Dental Insurance
- Company-paid Basic Life, Long-Term Disability, and AD&D Insurance
- Voluntary worksite benefits including Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Supplemental Life, and Supplemental AD&D Insurance
- 401(k) and Company Matching Contributions
- Paid Time Off - full-time employees may accrue a minimum of 120 hours per year
- 11 Paid Holidays
- FMLA
- Employee Assistance Program (EAP)
- Paid Parental Leave
- Referral Incentives
- Education Assistance Program
- Complimentary FIMC Membership Plan
- Access to industry-specific training programs
- Certain roles may qualify for additional benefits such as Relocation Assistance, Debt Assistance, Cell Phone Reimbursement, and Travel/Auto Reimbursement. Contact careers@marinerfinance.com for additional information.
Benefits provided are consistent with applicable state laws and Company policies. Eligibility may vary based on full-time or part-time status, location, or management level.
For additional information, please visit: https://www.marinerfinance.com/careers/benefits/
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 veteran. Employee 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 hardship. Drug/Alcohol/Smoke-free workplace.
Mariner Finance, LLC | NMLS #166564
