Credit Policy Manager

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Description
General Function: The Manager of Credit Policy will build and manage a team to support Axcess Financial's global, retail, credit businesses. The Manager will own and enhance credit policies for underwriting of cash advance, installment, title, and line of credit lending products. The Manager will lead development and testing of credit strategies and initiatives to achieve portfolio growth and profitability targets. The Manager will ensure sound, data-driven methodologies are used to achieve strategic goals. The Manager will collaborate with internal partners in risk, finance, operations, and IT to innovate, develop, and implement risk based pricing solutions that increase the value of underwriting for lending operations. The Manager will lead or supervise analytical projects to continuously improve the underwriting practice. The Manager will provide leadership in developing the underwriting strategy for new products. The manager will build, lead, mentor, and develop a team of analysts and is responsible for team productivity and work quality.

_Contact_:
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Essential Duties & Responsibilities:

Credit Policy and Analytics:

• Own credit policies for underwriting for all loan and line of credit products
• Develop a team culture and set of practices designed to drive continual improvement to credit policies via innovation and empirical rigor
• Lead analysis of credit policies to make informed recommendations about underwriting strategies to support credit products
• Research and evaluate internal/external data sources to increase value of underwriting practices

• Own, build, and continually improve relationships with internal customers
• Convincingly communicate with internal customers and senior management to explain the benefits, limits, and requirements for proposed solutions
• Collaborate with other business functions (e.g., finance and IT) to develop and implement analytical and modeling solutions
• Contribute to decisions regarding development/revision of data and decisioning architecture

• Collaborate with team members to develop strategic policy standards and risk-based lending principals
• Contribute to senior-level management discussions and decision making sessions
• Provide intellectual leadership and analytical support to Sr. Management in efforts to develop new products
• Proactively identify and propose ways to use decision sciences to add value to the company

• Manage a team of analytic staff in support of the functions listed above
• Train and develop staff, including hiring, promotions, and corrective actions
• Quality control/improvement of output from team under management

Skills Description

Minimum Knowledge, Skills and Abilities Required:

• 6+ years experience building predictive models using linear regression, logistic regression, and decision tree methodologies
• 4+ years experience using analytics to support credit risk assessment and/or underwriting activities
• 3+ years experience with SAS and SQL programming or expert level certification
• 3+ years experience managing 2+ people
• Masters degree in quantitative discipline (e.g., Statistics, Operations Research, Economics, Engineering)
• Strong communication skills to present project plans and results to senior management
• Strong business intuition to identify opportunities to apply modeling/analytics to drive value for internal customers
• Strong project management skills with experience managing multiple simultaneous projects
• Living in, or willing to relocate to, Cincinnati, Ohio

• Experience in installment, unsecured, or alternative lending
• Experience applying survival analysis methods within a business environment
• Experience in consumer financial services
• Experience building and developing a team

• Normal office environment
• Extended viewing of computer screens
• Limited travel may be required

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