Risk Manager optimizing portfolios for PayJoy's financial products. Using data and ML tools to improve risk outcomes and support business growth.
Responsibilities
Use SQL and R or Python to extract and manipulate data to make data-driven, actionable recommendations about how to improve outcomes.
Make actionable recommendations about how to improve outcomes based on data analysis and a deep understanding of how our product works.
Work closely with the Data Science team to price and implement ML and AI models that optimize portfolio outcomes.
Define, implement and monitor A/B Tests with the product and marketing team that will improve our product and help us reach more customers.
Write succinct and thoughtful documentation that explains your recommendations.
Own risk KPIs for one or more portfolios.
Requirements
Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar quantitative field.
4+ years of experience in risk management functions in fintech or commercial banking, working with credit cards or other consumer lending products.
Experience working with Credit Limit Increase programs and with scaling products from 0 to scale in a fast-paced startup environment is a plus.
End-to-end problem-solving skills, including framing of the problem, analytical research, discussion/debate and the ability to present solutions to cross-functional stakeholders at all levels of the organization.
Understanding of statistical tools and methods, and experience working with large data sets.
Mastery SQL, Python and other tools for Data Analysis.
Benefits
*Local benefits will vary depending of the country of hiring.
Phone finance, Headphone, home office equipment and fitness perks.
Senior Risk Advisory Consultant at Validus offering market risk analysis and client leadership. Engaging with institutional and private capital clients to drive risk strategy and innovative solutions.
Enterprise Risk Analyst at Zurich Life Assurance Plc collaborating with diverse teams to strengthen risk management culture and implement frameworks. Involves governance, risk assessment, reporting, and training activities.
Senior Analyst assessing enterprise and operational risks and strengthening business process controls in a fintech environment. Collaborating with multiple teams to provide risk insights and support governance.
Manager LRP & OneStream Governance role at LyondellBasell managing finance processes and reporting. Supporting long - range planning and performance forecasting with financial analysis expertise.
Analyst position at Fifth Third Bank focusing on pricing and risk strategies through data - driven decisions. Collaborating with multiple teams to develop financial models for new lending products and optimize credit performance.
Clinical Governance and Transformation Specialist ensuring compliance with health service standards. Leading clinical committees and coordinating improvement plans in a hybrid work model.
Document Governance Specialist overseeing end - to - end document governance processes for First West Credit Union. Responsible for guidance, operational advice, and oversight of document management initiatives.
Senior Data Risk Controls Oversight Manager overseeing Conformance testing for Truist's Regulatory Reporting and Data testing team. Managing a team and providing insights to improve data governance and reporting.
Operational Risk Manager at Manulife delivering effective risk management and controls for operational risk in financial services. Leading RCSA and ORE lifecycle while partnering with technology and business teams to enhance risk insights.
Senior Data Governance Analyst at Manulife enabling data governance best practices across Group Functions Segment. Collaborate with teams to promote data literacy and manage compliant initiatives.