Mariner Finance · 5 months ago
Senior Risk Management Analyst
3905 Dallas Pkwy, Plano, TX 75093, USA
Full-time
Onsite
Mid, Senior Level
$105K/yr - $150K/yr
4+ years expMariner Finance is a financial services company that focuses on providing credit solutions. They are seeking a Senior Risk Management Analyst to lead and support the Risk department in developing underwriting strategies and enhancing credit risk management for their online portfolio.
FinanceFinancial Services
Responsibilities
Lead and support the Risk department in developing and achieving department goals
Work closely with senior management to develop and execute underwriting strategies to support various Mariner Finance customer acquisition channels
Strategies include approve/decline, line assignment, and pricing optimization to support healthy growth and profitability
Monitor, analyze, and enhance credit risk for an online portfolio as well as manage eligibility criteria for a national network of branches
Use advanced modeling, statistical techniques, and tools such as SAS, R, and Python to develop and maintain credit risk, response, behavior, and analytical strategies that will optimize lending decisions across channels
Conduct evaluation and validation of lending decisions and marketing outreach across channels, utilizing approaches and enhanced segmentation to optimize approval and advance assignment strategies
Design tests and champion and/or challenge strategies to continuously evaluate new opportunities to improve volume/credit risk trade-offs
Maintain up-to-date inventory and chronology of underwriting strategies
Update executive team on the impact of new strategies on the company’s performance
Manage portfolio performance to risk appetite
Ensure new bookings adhere to lifetime return expectations, are in line with the Company’s Risk Appetite, and are in tight alignment with the company’s funding strategy objectives
Prepare risk reports through compiling, monitoring and analyzing data and key trends, and writing routine reports
Partner cross-functionally to ensure Policies & Procedures and company’s servicing system controls are in place to support development and maintenance of underwriting strategies
Represent Risk Department in cross-functional projects and partner across the organization to execute on other key business priorities
Lead projects as assigned
Plan tasks of team members and manage resources to ensure successful and timely execution of project goals
Act as a resource to team members by sharing knowledge and working shoulder to shoulder to provide guidance
May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service
Qualification
Required
Bachelor's degree in a quantitative field of study (statistics, economics, finance, engineering, information systems, etc.) with exceptional academic record
Minimum of four (4) years of credit risk management experience with one (1) year of customer acquisition/underwriting strategy development experience in the digital/online space
Experience in the consumer lending/financial services industry with working knowledge of regulatory matters related to consumer lending & consumer loan policies and procedures
Advanced knowledge of SAS, SQL, or similar tools
Proficient in Python, R, or similar tools
Strong technical skills with proficiency in MS Office suite; Expert in Excel (pivots, advanced formulas, macros)
Strong understanding of general risk principles and financial concepts
Ability to articulate complex information in understandable terms to various audiences by way of presentations, reports, or other communication mediums
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
Experience in fraud strategy or bank transaction data
Benefits
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.
Company
Mariner Finance
Mariner Finance is a consumer finance industry.
1001-5000 employees
H1B Sponsorship
Mariner Finance has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (2)
2024 (1)
2023 (1)
2022 (2)
2021 (2)
2020 (6)
Funding
Current Stage
Late StageTotal Funding
unknown2013-01-01Private Equity
2009-12-15Acquired
Leadership Team
Joshua Johnson
President/CEO
Recent News
Business – Baltimore Sun
2025-08-29
2024-05-24
Company data provided by crunchbase