Overview

Essential Functions:

  • Use a proprietary model to calculate the profitability of various business segments and to run scenarios analyzing the tradeoffs between risk and return
  • Responsible for maintaining and enhancing the profit model to make it more robust, dynamic and more reflective of the current operating environment and conditions
  • Develop ways to incorporate new delinquency curves, loss curves, prepayment curves, deferment curves and findings from a cost study into the model in order to enhance its accuracy and usability
  • Produce weekly, monthly reporting on profitability for senior management and summarize findings in a clear, concise and convincing manner
  • Design new pricing approaches and programs to reflect the unique needs of each market and to protect against margin deterioration in a rising cost of funds environment
  • Analyze the tradeoff between pricing and volume and how this relationship impacts overall profits and corporate strategies
  • Propose new pricing strategies and develop appropriate programs to help the company grow originations in the most profitable and efficient manner
  • Analyze origination and portfolio statistics to identify pockets of risk or opportunity and to develop proactive strategies that assist in mitigating risk exposure or exploiting profit potential
  • Assist in planning the pricing, credit mix and return objectives by market for future originations
  • Additional ad hoc projects as requested

Other Functions:

  • Special projects as requested
  • Performs other duties as assigned

Requirements:

  • Bachelor’s degree in , Accounting, Math, Economics or Business
  • Three (3) to five (5) years of work experience in a similar analytical role
  • Understand cash flow modeling, delinquency and loss modeling, activity based cost accounting, credit scoring and risk based pricing concepts
  • Demonstrated understanding of relational datasets, data warehouses, data mining and data analysis techniques
  • Proficient knowledge of Excel and data mining tools such as Access, SQL, or SAS
  • Some financial industry knowledge, preferably auto specific
  • Ability to work in an environment with rapidly changing priorities and high demands
  • Open to new ideas, creative and hard working
  • Energetic and self motivated with excellent analytical and problem solving abilities
  • Organized, detail oriented and able to manage multiple tasks/deadlines
  • Strong interpersonal skills and ability to interact collaboratively with internal customers
  • Ability to work independently with minimal supervision as well as function within a team environment
  • Excellent written and verbal communication skills
  • Ability to maintain confidentiality

Working Conditions:

  • Extended working hours may be required as dictated by management and business needs.