Financial Risk Specialist

Lobel Financial is a California based full-service motor vehicle sales finance company specializing in sub-prime and non-prime auto loans. We purchase auto loans from a variety of dealerships in several states across the country. At Lobel Financial you will experience an exciting, fast paced work environment.

We offer generous compensation packages with competitive wage and benefits, plus training and promotion opportunities, team member recognition, and so much more.

Job Description

The Financial Risk Specialist is responsible for assessing credit risk, reporting on credit metrics, conducting data and business analysis, utilizing best practices of data analysis to ensure data results are accurate, summarizing findings, developing recommendations and presenting analyses to management in a clear, concise, convincing, and actionable format.

Multiple projects are assigned simultaneously that require the ability to multi-task between scorecard development, analysis, coding rules, studying and generating market reports, and subpopulation studies. In addition, the Risk Analyst is responsible for developing, maintaining, and refining credit scoring models. Projects are completed in a team and individual environment.

Basic Responsibilities

• Perform studies on customer applications and performance data for segmentation
• Develop models for projection (i.e. delinquency, charge-off, profit and loss)
• Develop, monitor, and maintain complex consumer credit statistical models (i.e. origination scorecards)
• Develop and produce reports to measure the performance and effectiveness of processes, models and strategies and use them to make recommendations
• Perform to solve business problems and drive better decisions
• Prepare and effectively present key summary analysis to upper management
• Simplify and automate existing processes to improve internal efficiency (monthly & quarterly reports)
• Maintain an adequate balance between the lines of risk and return

Skills & Qualifications

• Bachelor's degree in statistics, finance, or other quantitative fields. Master's degree is a plus.
• Proficiency in Microsoft Excel, SQL, and Tableau
• Some familiarity with SAS, Python, or R
• Knowledgeable of mathematics and predictive models
• Demonstrated history of strong organizational, analytical, and problem solving skills
• Robust verbal and written communication capability
• Must be detail oriented, self-motivated, and a team player
• Adaptable to change, enjoys a fast-paced and challenging environment
• Ability to work as part of a team to achieve the goals of the department
• Experience in consumer lending and scorecard development preferred
• Knowledge of the auto lending process helpful
• Compensation: DOE

Company Benefits

• 401K with company match
• Medical, dental and vision
• Optional life insurance
• Paid holidays
• Paid vacation and sick days