The Director of Risk Management is responsible for developing and implementing risk management strategy and guidelines for new credit products. This person will create underwriting decisioning models, develop analytics packages, and manage fraud detection tools to monitor and maintain product integrity.
Essential Duties and Responsibilities:

• Product Risk Models and Guidelines: Create, implement and maintain the overall risk management strategy and guidelines for new credit products
  • Underwriting Decisioning Model: Work with the internal Analytics team and external partners (as needed) to develop and refine
  • Fraud Management: Use internal and external tools to help monitor and maintain
  • Complaint And Dispute Management: Track and oversee best in industry practices
• Analytics: Drive product performance through development of analytics packages
• Collaboration: Work with senior management, other company employees, and 3rd parties to ensure smooth product release and ongoing process

Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required:

• Strong understanding of unsecured credit products, additional product experience (secured products, installment loans, BNPL, etc.) is a plus
• Strong attention to detail and problem solving skills
• Strong presentation and communication skills
• Subprime experience is a strong plus
• People management experience is a plus
• Experience with Snowflake is a plus

Education and/or Experience:

• Masters degree in business, math, economics, or a related field. PhD is a plus
• 5-7 years of risk management and model building experience

Physical Demands:

• Must be able to constantly remain in a stationary position.
• Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer.
• Occasionally may require light lifting up to 25 pounds.

Work Environment:

• Office environment.
• Occasional travel may be required.

This job description reflects management's assignment of essential functions; and nothing in this herein restricts management's right to assign or reassign duties and responsibilities to this job at any time.
It is the policy of World Acceptance Corporation to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, World Acceptance Corporation will provide reasonable accommodations for qualified individuals with disabilities.