FTL Finance · 1 week ago
Manager, Risk Strategy
St Charles, MO
Full-time
Hybrid
Mid, Senior Level
4+ years expFTL Finance is a company specializing in financing for residential HVAC and home improvement projects. They are seeking a Manager of Risk Strategy to oversee underwriting operations, strengthen risk standards, and provide data-driven insights to senior leadership.
ConstructionFinancial ServicesHome Renovation
Responsibilities
Own and evolve contractor and customer risk standards—ensuring only ethical, financially sound contractors are enrolled and customers are properly vetted
Lead, coach, and develop the underwriting team, driving consistent, high-quality decisions on credit and contractor approval
Set and maintain underwriting policies that balance growth goals with prudent risk management
Monitor and act on real-time portfolio risk signals, making proactive decisions to protect portfolio integrity
Build and refine risk-based pricing models, delivering clear insights on credit risk, profitability, and competitive positioning
Provide executive-level reporting and recommendations, including portfolio analytics, pricing performance, and scenario modeling
Lead process improvements and automation efforts—while evaluating and integrating new data sources—to enhance efficiency, strengthen underwriting models, reduce risk, and support long-term growth
Assist with special projects and other duties as assigned
Qualification
Required
4+ years of experience in an analytically driven role (finance, risk, consulting, or analytics)
Strong analytical and critical thinking skills with intellectual curiosity
Proven expertise in risk assessment, underwriting, or portfolio/pricing analysis
Familiarity with competitive benchmarking, risk-based pricing strategies, and credit performance metrics
Excellent communication skills with the ability to influence across organizational levels
Strong process improvement mindset with experience in automation initiatives
Highly coachable, detail-oriented, and self-motivated
Technical proficiency: Advanced Microsoft Excel (pivot tables, VLOOKUP, nested IFs, etc.), SQL and Tableau (or similar BI tools)
Preferred
Experience in consumer lending, home improvement financing, or contractor/vendor risk management strongly preferred
Benefits
A dynamic, fast-paced, fun and inclusive work environment (with always-stocked snacks and beverages!)
Annual company parties and fun team events
Growth and development opportunities
Hybrid work arrangement (3 days in-office/2 days remote)
Monthly team celebrations and luncheons
Excellent offerings under our group benefit plans for medical, dental, vision, FSA, etc.!
401K plan with a company match of up to 4%!
Generous Paid Time Off (PTO) plus 13 paid holidays
Company
FTL Finance
FTL Finance offers fixed interest rate consumer financing services.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase