Credit Risk Analyst - Portfolio Management

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.

Atlanticus technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.

Office Location

• Atlanta, GA

Work Culture

We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You'll be empowered to lead, grow, and make an impact.

The Role

• What a day looks like:

The Credit Risk Professional will be responsible for portfolio management strategy while continuously assisting with the analysis of credit trends, making change recommendations to leadership, and supporting projects that cover all aspects of credit risk. This position requires a combination of strategic thinking, quantitative analytics, and financial acumen, combined with collaborative skills to ensure credit risk policy and broader business line objectives are achieved. The successful candidate will possess a basic understanding of unsecured consumer lending with a specific emphasis on account management and/or acquisitions, pricing, and collections.

• Monitor and manage end-to-end credit portfolio management strategy using internal and external data sources: Multiple account acquisitions, CLI/CLD, over-limit authorizations, payment float, high-risk account management, reissue, etc.
• Drive vigilant portfolio monitoring through review of asset quality reporting, delinquency and loss performance, key industry trends, peer benchmarking, and regulatory landscape.
• Develop and present periodic credit risk presentations to executive leadership and risk committees.
• You're a great fit if you have:
• A bachelor's degree in management, analytics, finance, mathematics, or a related business field is required. A master's degree is strongly preferred.
• 1-3 years of relevant consumer credit risk experience in financial industry is preferred. Cross-functional experience (acquisitions, loss forecasting, marketing, pricing, profitability analytics, etc.) in credit card industry is a plus.
• Solid working knowledge of SAS, SQL, Python, R, or other coding tools.
• Experience with data visualization tools, such as Tableau, Power BI, etc., is strongly preferred.
• Strong analytical, interpretive, collaborative, and problem-solving skills with the ability to develop common-sense solutions to complex business challenges.
• Basic P&L knowledge and understanding of profit drivers.
• Excellent written and verbal communication skills, ability to convey actionable and understandable business intelligence.

Why You'll Love Working Here

This isn't just a job, it's a place to lead, grow, and thrive. If you believe in your skills and drive, we'll provide the resources and support to help you succeed.

Benefits include:

• Generous PTO and holiday schedule
• 401(k) with company match
• Employee stock purchase plan
• Ongoing training (lunch & learns, financial and health webinars)
• Team volunteer outings

Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.