Sr Credit Risk Analyst

Senior Credit Risk Analyst

Carrollton, TX (2-3 days/week)

The Senior Credit Risk Analyst is responsible for identifying business challenges and opportunities within credit risk, utilizing data-driven analysis of consumer, collateral, and transaction data to deliver strategic and tactical recommendations. The analyst will apply advanced statistical modeling and machine learning techniques to assess and quantify credit risk. This role directly contributes to the company's bottom line and offers significant opportunities for professional growth.

Benefits and Perks*

• Uncapped Flexible Paid Time Off.
• Paid on-the-job training and a comprehensive new hire program.
• Access to a robust learning management system, full of e-learning modules to help boost your professional and personal development.
• Performance-based career advancement.
• Educational Reimbursement Program.
• Multiple coverage choices for medical insurance, all include telemedicine and medical spending account options (HSA/FSA/Dependent Care FSA).
• Traditional 401(k) and Roth 401(k) Retirement plan with a generous Company match program.
• Company-Sponsored Life and AD&D Insurance.
• Basic and Enhanced Voluntary benefits so you may choose the right coverage at the right price for you and your family. Plans include dental, vision, short-term and long-term disability plans, supplemental life and AD&D insurance, accident, critical illness, hospital indemnity, ID theft protection, legal services program, and pet insurance.
• Free access to mental health resources, life coaching, and more for you and your family members through our Employee Assistance Program.
• Free access to exclusive discounts from nationwide and local retailers through our Discount Marketplace.
• A relaxed, business casual dress code that includes jeans and sneakers! 

*Based on current benefit offering, which is subject to change with or without notice. Certain benefits are subject to the terms and conditions of the governing plan documents which should be consulted for additional details and eligibility requirements.

• Develop credit strategies to improve credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions.
• Conduct thorough portfolio reviews, monitor credit risk exposure, and provide recommendations for risk mitigation strategies and process improvements.
• Design and oversee the creation of executive dashboards, performance reports, and data visualizations to highlight key trends and areas for improvement.
• Manage a diverse reporting function across origination, pricing, repossession, and collections.
• Partner with internal team of predictive modelers to develop analytical models to analyze credit performance of borrowers (payment delinquency, default patterns, profitability), and design implementation strategies for these models.
• Utilize advanced data mining tools (SQL, Python, R) to extract and analyze consumer loan data across multiple environments, providing insights to guide credit risk decisions.
• Champion improvements in performance by connecting future consumer credit trends to historical behavior, leveraging risk models based on consumer, collateral, and loan data.
• Perform in-depth analytics at the product and segment levels to evaluate existing product performance and support the development of new product policies and pricing strategies.
• Develop and manage strategies to optimize recovery & remarketing of delinquent loans.

• Master’s degree in quantitative discipline such as statistics, mathematics, management science, economics or equivalent.
• 3+ years’ experience in predictive modeling, decision analytics, data science, or related work. Passionate about translating complex data into actionable strategy.
• Experience in the financial services industry, with a focus on credit risk analysis is a PLUS.
• Proficient in handling Large Datasets, working with Data Processing Frameworks, and building reliable Data Pipelines.
• Hands-on experience in data manipulation, mining, and web analytics.
• Excellent problem-solving skills with the ability to think analytically and critically.
• Strong attention to detail and accuracy in data analysis and reporting.
• Self-motivated and able to work independently as well as collaboratively in a team environment.
• Fluency in two of the following: SQL, SAS, R, or Python.
• Proficiency in Power BI/Tableau.

We are honored to be recognized as a Military Friendly Employer and Military Friendly Spouse Employer for four consecutive years and have received designation as a Top Employer for Hispanic and Latinos by HLPA in 2023, 2024, and 2025. Additionally, we have been named one of America’s Greatest Workplace in Financial Services 2025 by Newsweek.

The Community Choice Financial® Family of Brands ("CCF" or the “Company”), is one of the largest consumer specialty finance organizations in the U.S. We provide our Customers, Team Members, and Communities the Power of Choice with over 10 brands represented in more than 1,500 brick-and-mortar stores serving 24 states and online product offerings in 20 states. Community Choice Financial® Family of Brands is steadfast in our commitment to help people across the country get access to the short-term financial services they need when they need it the most.

Wonder if you’ll thrive here? Learn more at https://www.ccffamilyofbrands.com/explore-careers

The information contained herein is not intended to be an all-inclusive list of the duties and responsibilities of the job, nor is it intended to be an all-inclusive list of the skills and abilities required to do the job. The Company may, at its discretion, revise the job description at any time, and additional functions and requirements may be assigned by supervisors as deemed appropriate.  Requirements, skills, and abilities included have been determined to illustrate the minimal standards required to successfully perform the position.

Important: The Community Choice Financial® Family of Brands will never ask you for banking or other payment information at any point during the interview or hiring process, nor will we conduct an interview via text message. Any official email correspondence will come from the domains @ccfi.com. In-store positions are in person only.

The Community Choice Financial® Family of Brands is committed to providing an inclusive workplace free of discrimination based on race, color, religion, sex, age, national origin, military status, disability, pregnancy, sexual orientation, gender identity or expression, genetic information or any other characteristic protected by applicable law. Candidates of all backgrounds are encouraged to apply. CCFI Companies, LLC is an equal-opportunity employer.