In business for more than 70 years, Republic Finance is proud to be a trusted lender in over 250 communities across the United States! We specialize in providing flexible lending solutions and incomparable customer service. Driven by our shared mission to pursue excellence for our team, our customers, and our performance, we are continuously improving our customer offerings in tandem with opening more branches in new states each year. We also regularly promote from within and enjoy giving back to the communities we serve. In a nutshell, our company culture is about helping customers, investing in our employee's future, and ensuring that our performance makes an impact on our community!
We are seeking a Senior Credit Risk Analyst. This is a key role with significant and broad responsibilities and reports to the Sr. Manager of Credit Policy. Responsible for leading credit portfolio analysis, driving strategy development, and delivering actionable insights that influence business decisions. This position will be responsible for owning strategy on core products and driving growth while managing portfolio risk exposure. This role is based in our Plano, TX office on a hybrid schedule. Key responsibilites are as follows:
Lead analysis of credit portfolio performance, including delinquency, charge-offs, and profitability trends.
Develop, test, and recommend credit strategies and policy changes to optimize portfolio performance.
Partner with the data science team to evaluate model performance, outputs, and business impact.
Translate analytical findings into clear, actionable recommendations for stakeholders.
Design and oversee development of dashboards and reporting to monitor key risk metrics.
Use SQL and analytical tools to extract, manipulate, and analyze large datasets.
Identify emerging risks and proactively recommend mitigation strategies.
Collaborate cross-functionally with underwriting, finance, operations, and marketing teams.
Requirements:
Bachelor’s degree in a quantitative discipline is required, advanced degree is attractive.
3-4 years in an analyst role working on data-driven problem solving.
Strong experience with SQL and data analysis.
Proficiency in Microsoft Excel.
Experience with Python or R.
Experience with data visualization or dashboarding tools like Tableau or PowerBI (preferred not required).
Benefits:
We offer a competitive compensation and benefits package including:
Health, Dental, & Vision Insurance
15 days of Paid Time Off (PTO) to start + 1 additional personal holiday
401k + employer match
Company provided Life Insurance & Long Term Disability
Employee Assistance Program - Confidential mental health support
Additional benefits with Republic Finance include:
Employee of the Month Program
Philanthropic support for charities such as Juvenile Diabetes Research Foundation and the American Cancer Society
Regular drawings for Sports tickets
Professional offices with a friendly team environment
Republic Finance, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race, sex, color, religion, national origin, age disability or veteran status in employment opportunities and benefits. Republic Finance, LLC maintains a Drug-Free Workplace.
About the Company
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Republic Finance
Joining the Republic Finance Team means not just having a job, but that you are taking the first step in pursuing an exciting and rewarding career! At Republic Finance, we pride ourselves on investing in our employees and providing internal advancement opportunities. As a Republic Finance team member, you will be provided with on-the-job-training in order to better understand our products and services, as well as the tools to best service our customers’ financial needs. We reward success and offer potential growth opportunities in as soon as 18-24 months.
With more than 165 branches in 8 states, we are well known for our boutique-lending experience across the south. Providing assistance with financial emergencies, loan consolidation, back to school expenses and home improvement expenses are just some of the numerous services we offer our customers.
Not only do we provide exceptional customer service and financial guidance to our communities, we also know the importance of giving back to them. Republic Finance is a proud supporter of multiple charities including the Juvenile Diabetes Research Foundation (JDRF) and the American Cancer Society. Our fundraising efforts through the year support these charities, while allowing us the opportunity to recognize our employees for their individual and team contributions.
We are seeking highly motivated individuals who possess an entrepreneurial mentality, in addition to exceptional customer service skills. Republic Finance offers a competitive salary and benefits package, as well as a first class working environment.