Position summary: This Risk Analyst position is responsible for mining, organizing, and analyzing complex business data, presenting conclusions and making actionable recommendations to Sr. and Executive Leadership. Utilize analytical skills and appropriate analytics and data mining tools to routinely monitor and streamline business processes in a wide range of disciplines in the specialty finance industry including application processing, automated underwriting and decisioning, operations, marketing. Provide recommendations for strategy and process improvement in the daily operations of the business. Essential Functions: Independently analyzes and interprets data using a variety of techniques, ranging from simple data aggregation to complex data mining. Documents findings, presents and makes data-driven and analytics-based recommendations to Sr. Management. Compiles reports, charts and tables based on established statistical and analytical methods. Develops data models to meet the needs of the organizations information systems. Oversees project lifecycle of data studies or any other projects related to risk or analytics in the operational areas of the business (fulfillment, servicing, and collections). Deliver written project plans to set expectations and gain strategic agreement. Conduct and analyze business and information technology processes and prepare essential groundwork specifically related to collections and dialer strategies and call center staffing. Make recommendations for necessary changes on projects that come from other operational departments. Coordinate with division managers and product development team to accurately understand business needs and develop actionable solutions. Develop and monitor forecasting models; complete monthly/quarterly trend analysis; conduct on-going sensitivity analysis to optimize business recommendations. Build and monitor predictive models in marketing and loan acquisition stages of the business and develop strategies to deploy those models Skills: Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times. Writing - Communicating effectively in writing as appropriate for the needs of the audience. Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. Credit Scoring and Modeling - Understanding of predictive modeling and credit scoring methodologies. Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition, business understanding and experience to complement data; Designs work flows and procedures. Problem-Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem-solving situations. Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals. Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths and weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions. Reading Comprehension - Understanding written sentences and paragraphs in work related documents. Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do. Experience and Education: Bachelor's Degree; Finance, Economics, Computer Science, Mathematics, or Statistics or a similar discipline Technical Skills: Data Processing and Statistical Analysis languages preferred: proficiency in SAS and R is required Python is a Plus Microsoft Office suite of applications Physical Requirements: Must be able to stand and sit for long periods of time, talking, hearing constantly. Occasionally lift up to 10 lbs. on occasion Must be able to sit in front of computer monitor (s) daily Sitting and or standing for long periods of time. Noise level: moderate noise level daily in an office atmosphere.