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Role Description

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued.

• Develop and optimize fraud strategies for the assigned loan portfolio to improve performance - reduce fraud losses while supporting receivables and revenue growth.
• Proactively analyze fraud trends at the granular level using fraud vendor data, credit bureau, and cash flow data to identify emerging trends and conduct root-cause analysis.
• Conduct A/B tests to reduce fraud risk, improve customer experience, and optimize profitability on acquisition initiatives.
• Operate as the subject matter expert in fraud and partner with Operations, Product, etc. to support cross-functional initiatives.
• Build automated dashboards and reporting to track key KPIs (e.g., fraud loss, approval and conversion performance) and communicate strategy impacts and insights to senior leadership.
• Work closely with the Modeling/Scoring team to develop new fraud strategies based on new fraud models to improve effectiveness of fraud control.
• Develop and enhance the reporting structure for assigned markets/products and channels, including developing/modifying scoring datasets/warehouse and monitoring reports.
• Utilize relational database and/or analytical programs to create data for analysis and monitoring of strategies and models.
• Forecast impact of strategy changes on key business performance metrics such as revenues, balances, and losses.
• Effectively coach and support teammates to identify actionable insights, suggest recommendations, and influence the direction of the business.
• Directly supervise one or more credit risk professionals.

Qualifications

• BS or higher in a quantitative discipline (Statistics, Mathematics, Qualitative Social Science, Operation Management, Finance, Physics) or equivalent working experience.
• 8+ years of professional experience in fraud risk analytics with strong knowledge in Financial Services, emphasizing risk management/analytics of personal loan or similar products.
• Advanced experience in SQL, SnowFlake, or relational databases.
• Working knowledge in Python, SAS, R, or other analytical tools preferred.
• Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred.
• Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and provide data-driven insights.
• Strong business acumen with the ability to translate analytical efforts to business results.
• Strong organization skills and the ability to communicate effectively, both verbally and in writing.
• Exceptional problem-solving skills and ability to work effectively with minimal supervision.
• Comfortable working both independently and in a team environment.

Requirements

• Base Salary: $130,000 - $170,000 USD.
• The actual base salary offered will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.

Benefits

• Flexible Paid Time Off Program.
• Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages.
• Eligibility to participate in our 401k program, starting on the first of the month following 30 days of employment with a company match.

Company Description

Attain Finance Supports Equal Employment Opportunity. CURO (dba Cash Money®, LendDirect®, Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants.