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Senior Associate Credit Risk Analytics

Geli

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Data Science

Irvine, CA, USA

Posted on Sunday, September 10, 2023

EnFin seeks a credit risk associate with prior experience in credit risk analytics to work on risk initiatives for the EnFin consumer lending platform. The ideal candidate is an experienced professional with credit risk, analytics & risk management skills. Experience in the fintech lending sector is a plus. This position will be based in the EnFin North America headquarters in Irvine, CA, or in the San Francisco, CA office, although remote options may also be available.

Responsibilities

Assist in the development, monitoring and execution of internal risk models/methodology
Analyzing external and internal performance data to make adjustments to credit criteria
Identify and test new data sources to improve credit and risk outcomes
Collaborate with other team members in operations and IT to ensure implementation of risk policies and procedures
Assist with Audit and internal review to ensure Enfin practices stay consistent with regulatory expectations
Develop recommendations to adjust credit policies by analyzing credit and financial performance
Work with technology and risk team as a key back-up for the decisioning engine

Required Qualifications

Bachelor's degree in Accounting, Finance, Management Information Systems, Mathematics, Statistics or related field
5+ years experience in credit risk management and data analytics
Demonstrated track record in consumer lending
Strong understanding of quantitative concepts as they pertain to credit scorecard development and performance management
Familiarity with compliance regulations as it pertains to the consumer lending industry
Good knowledge of Consumer and Commercial credit risk concepts
Detail oriented and well organized
Excellent oral and written communication skills with the ability to communicate with executives
Entrepreneurial and flexible mindset with demonstrated ability to thrive in a high-growth environment

Preferred Qualifications

Master’s degree or MBA
Fintech lending is a plus

Hanwha Q CELLS America Inc. (“HQCA”) is headquartered in Irvine, CA, and handles sales for the North American region. It is a subsidiary of Hanwha Q CELLS Co., Ltd., one of the world´s largest and most recognized photovoltaic manufacturers for its high-performance, high-quality solar cells and modules. It is headquartered in Seoul, South Korea (Global Executive HQ), Thalheim, Germany (Technology & Innovation HQ), and San Francisco, USA (Energy Storage/Inverter & Software HQ). Through its growing global business network spanning Europe, North America, Asia, South America, Africa, and the Middle East, the company provides excellent services and long-term partnerships to its customers in the utility, commercial, government, and residential markets. Hanwha Q CELLS is a flagship company of Hanwha Group, a FORTUNE Global 500 firm, and a Top 8 business enterprise in South Korea. HQCA recently acquired Geli, a leading developer of Energy Management System software for energy storage, solar, and other renewable resources.

Benefits*

· Medical, Dental, Vision

· Paid Time Off

· Tuition Reimbursement

· 401K

· Paid Holidays

* All benefits dependent on role and eligibility

Physical, Mental, & Physical Demands

To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation.

Mobility

Standing: 20% of time

Sitting: 70% of time

Walking: 10% of time

Strength

Pulling: up to 10 Pounds

Pushing: up to 10 Pounds

Carrying: up to 10 Pounds

Lifting: up to 10 Pounds

Agility (F = Frequently, O = Occasionally, N = Never)

Turning: F

Twisting: F

Bending: O

Crouching: O

Balancing: N

Climbing: N

Crawling: N

Kneeling: N

Dexterity (F = Frequently, O = Occasionally, N = Never)

Typing: F

Handling: F

Reaching: F

All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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