Senior Credit Manager for Risk Management

Insikt was born out of our realization that banks will not be the lenders of tomorrow – brands will. Traditional banks, saddled with new rules and regulation, are no longer in the business of taking risk and making loans and cannot be relied on to deliver credit access and opportunity to the masses. Instead, tomorrow’s lenders will be media companies, retailers and prominent brands that have deep relationships with their customers and want to step in to help their customers get a fair loan.

Insikt is searching for a Senior Manager (or above) in Risk Management to push our Credit Risk team to the next level. Risk management is core to our business; making the right lending & investing decisions is key to delivering responsible loan products to our customers and robust, high-performing funds to our investors. We are a lean, tightly-knit team looking for an independent, hands-on problem solver who can apply creative, non-traditional ideas to raw data in order to come up with high-impact solutions for the underserved population we target.

* Design & manage risk underwriting strategies for optimal portfolio performance (tasks include model building, line assignment optimization, segmentation for risk control/expansion, design & monitoring of performance metrics, etc.) * Develop tools using credit & non-credit data sources for predictive analytics * Manage & execute direct mail & other marketing campaigns for profitable growth * Perform loss forecasting for loan securitization * Collaborate with teams from Engineering, Capital Markets, Originations & Finance for implementation, auditing & monitoring of risk strategies

* A Masters Degree in a quantitative field (Statistics, Math, Computer Science, Economics, Operations Research, Mechanical Engineering) * 5+ years of consumer finance experience on credit risk, fraud analytics or credit scoring * Expertise in SAS, SQL & databases, Excel * Experience in Python, Java (a plus) * Strong analytical & quantitative skills * Excellent oral & written communication skills