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Senior Manager, Forecasting Analytics

Austin, Remote

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.

We're looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.

Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.

We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end, we seek to recruit, develop and retain the most talented people from a diverse candidate pool.

About the Role 

The Sr Manager, Forecasting Analytics will be a key member of the Credit Analytics team, focusing on forecasting analytics for credit and fraud losses for a portfolio of secured and unsecured credit cards and credit builder accounts. The role will also support forecasting of various loan servicing operations activities to assist in allocation and planning of staffing and other initiatives to drive efficiencies. This is an individual contributor role committed to analytically-driven decision-making to support Self’s growth as the premier credit building platform.

What you will do:

  • Perform loss forecasting for credit cards, credit builder accounts, and other consumer lending product types.
  • Assume ownership of the CECL reserve model and governance processes.
  • Develop and refine forecasting techniques to project delinquency, roll rates, losses and recoveries to drive business planning and tracking.
  • Preparation of regular portfolio review materials for the Credit Committee.
  • Develop and maintain forecasts in support of servicing operations, such as credit bureau dispute volumes, contact activity, etc.
  • Deliver timely analytical support for requests from finance, bank partners, and other external data requests.
  • Conduct deep dives, stress testing, and sensitivity analyses of trends, issues, and business events to assess impact on portfolio performance.
  • Partner with the Credit Strategy teams to explore new approaches, models, and data sources to support innovation in risk strategies.
  • Review and approve monthly credit card revenue reports for reconciliation with bank partners.
  • Participate in collaboration with the data team to design data sources and data structures to enable efficient and high integrity credit risk analytics.
  • Develop vintage curves of activation, utilization, losses, etc. for card unit economics modeling.

 

Who you are:

  • Bachelor’s degree in Engineering, Computer Science, Statistics, Economics, Finance, or similar fields. Advanced quantitative degree is preferred.
  • 7+ years experience in banking or consumer lending credit risk management.
  • 5+ years experience with credit analytics and/or loss forecasting.
  • Experience with the sub-prime consumer segment is highly desirable.
  • Experience using time series analysis, statistical modelling, machine learning, vintage curves, and roll rates to analyze loan performance. 
  • Deep familiarity with a range of credit performance metrics used in consumer lending.
  • Highly proficient with analytical tools such as SQL, R, SAS, and Python.
  • Proficiency with Microsoft Excel and/or Google Sheets is required. 
  • Familiarity with business intelligence tools like Tableau, Power BI, Domo, etc.
  • Posses a basic understanding of the regulatory environment for consumer lending.
  • Excellent writing, documentation and presentation skills.
  • An innate curiosity about the way things work. 
  • Relentless persistence in solving problems.

Base salary is $124,000-165,000 annually.  Individual pay is based on factors unique to each candidate, including skill set, experience, and other job-related reasons.

Benefits and Perks:

We have the compensation and benefits you expect. But there's one thing that Self Financial can offer that many companies cannot: we can positively change the world, while making a profit. We are a team of Builders, empowering our customers to build their dreams. We have a Do the Right Thing ethos in all that we do, and we hope you value that approach, too. 

Our perks include:

  • Company equity in the form of Stock Options
  • Performance-based bonuses
  • Generous employer-paid health, vision and dental insurance coverage
  • Flexible vacation policy
  • Educational assistance
  • Free gym membership
  • Casual dress code
  • Team building events and activities
  • Remote work arrangements/ flexible work schedule
  • Paid parental leave 

Self Financial requires all employees hired to successfully pass a background check.

We are an Equal Opportunity Employer.

At this time, we are only able to consider applicants who are U.S. Citizens or Green Card Holders for employment opportunities. We appreciate your understanding.

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