Senior Credit Risk Analyst

Senior Credit Risk Analyst

Remote

The Senior Credit Risk Analyst is responsible for identifying business challenges and opportunities for improvement as well as utilize analysis based on mining available consumer, collateral, and transaction information and data to provide strategic and tactical recommendations. You will support the organization's efforts in better analyzing Credit Risk from both a planning and execution perspective, in turn, having a strong impact on the Company’s bottom line as well as on your career path.

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 the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions.
• Continue to innovate by testing new data, analytics approaches and models.
• Analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance driver.
• Measure how change to origination credit policy and lending environment can impact loan volume as well as overall credit performance.
• Proactively monitor and report relevant changes in origination trends and portfolio performance to management.
• Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems.
• Partner with Product, Marketing, Collections, Remarketing, and Information Technology teams to implement strategies and monitor the strategy performance.
• Summarize analysis and communicate information to various levels of management.
• Translate and communicate data analysis into results and develop implementation tactics. Provides consulting support to business areas around credit performance.
• Produce analysis, tracking reports and dashboards related to loan origination, performance, and forecasting, to include manipulating and interpreting data, analyzing/identifying trends, and reports findings.
• Perform product or other segment level analytics to analyze performance of existing products and assist with roll-out of new product policy and pricing strategies for various product offerings.
• Champion change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior and testing hypotheses using rigorous monitoring and analysis before recommending ways to improve outcomes.
• Conduct thorough portfolio reviews, monitor credit risk exposure, and provide recommendations for risk mitigation strategies and process improvements.

• Master’s degree in applied statistics, mathematics, management science, economics or equivalent
• At least 2 years’ experience in predictive modeling, decision analytics, data science, or related work; 3 years’ experience preferred.
• Minimum of 2 years of experience in data analysis, preferably in the financial services industry, with a focus on credit risk analysis
• Hands on experience building predictive models and solutions using SQL, R, or Python, and implementing them into a production environment. Experience in using Data Intelligence platforms such as DataBricks.
• Proficient in handling Large Datasets, working with Data Processing Frameworks, and building reliable Data Pipelines. Familiarity with cloud-based data warehousing platforms such as Azure (ADW). Expertise in creating credit analysis reports by extracting and combining relevant customer and credit data from a variety of data sources.
• Experience in creating reports and dashboards using data visualization tools such as Power BI and Tableau.
• Extensive experience building advanced analytical solutions using best-in-class Machine Learning and Statistical Modeling techniques
• Familiar with data from various bureaus and third-party data providers. Processed very large datasets and comfortable with structured, semi-structured and unstructured data
• Strong communication skills and motivated to deliver innovative/effective solutions to address business problems
• 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

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.

Think you’d 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.