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Monday, September 13, 2010

Lead SAS Analyst, Credit/Fraud & ScoreCard (Telecommute, US)

Headquartered in Wichita Kansas, Client is a rapidly growing provider of consumer financial services. Since opening their first store in 1997 in Riverside, California, they have successfully expanded to nine states and eighty-two retail locations. Client is currently the leading small short term lender in the brick and mortar store market place in terms of top line revenue and bottom line profitability. In the last 12 months Client has also developed and is rapidly expanding an online loan businesses with intentions of achieving superior market share in this space in the next 24 months.

This role will assist the Director Analyst developing, implementing and monitoring loan approval models that will result in increased acceptance rates and lower default rates of our various consumer loan products. The objective of the role will ensure development, implementation, monitoring of client’s credit risk strategies to help manage and grow the loan portfolio by optimizing values of each loan application and customer. The business operates in “test and learn” culture, where for each of our key credit risk decisions you will assist the new Director Analyst to help develop challenger strategies, rolling out successful strategies to champion status, pulling unsuccessful ones quickly and helping develop new challengers.

To help realize the client’s objectives, this Lead Analyst role will have a vital part to play. The role will be challenging on the Credit side of scorecard development, but also, rewarding from being mentored by the Director Analyst to fully support deliverables to individual business units’ Risk Data Management teams, with the aim to make all risks transparent and understood. Various responsibilities starting in Business and Finance and ending in Information Technology. Assist in the Start Up, Launch, and, Enhancements of new product development to meet loan regulatory and compliance requirements for new Internet Lending Practice. Web originated loan underwriting will be an eLoan / Web 2.0 consumer lending product. Work extensively with client’s Lead Credit Analyst, to assist in their own critical Credit ScoreCard development - From Chief Internet Officer’s desk : "Put another way, consumer lending companies are becoming much more interested in understanding their customers’ lives and psyches, because, the theory goes, knowing what makes cardholders tick will help firms determine who is a good bet and who should be shown the door as quickly as possible. Luckily for the industry, small groups of executives at most of the large firms like ours, have spent the last decade studying our customers from almost every angle, and collection agencies have developed more sophisticated dunning techniques. We have sought to draw psychological and behavioral lessons from the enormous amounts of data the credit- lending companies collect every day. They’ve run thousands of tests and crunched the numbers on millions of accounts. " Must be a US Citizen, or, have a Green Card. Strong preference to candidates willing to...


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