Senior Associate Credit Risk Analytics

Irvine, CA / San Francisco, CA / Remote, USA
EnFin – Risk, Credit, & Compliance /
Full-time /
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. 


    • 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
$110,000 - $116,000 a year
The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to, skill set, education, licenses and certifications, essential job duties & requirements, and the necessary experience relative to the job’s minimum qualifications. 
*This target salary range is for CA positions only and should not be interpreted as an offer of compensation

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.

·   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. 

Standing: 20% of time
Sitting: 70% of time
Walking: 10% of time

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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