Credit Risk Manager for POS Loans and BNPL in Repair Shops

The Credit Risk Manager will oversee the credit risk strategy for point-of-sale (POS) loans in body shops in Texas, ensuring sound underwriting, portfolio performance, and regulatory compliance. This role involves developing risk policies, monitoring loan performance, and optimizing approval strategies to minimize defaults while supporting business growth. Key Responsibilities: • Develop and implement credit risk policies for POS loans in body shops. • Monitor portfolio performance, identify trends, and recommend risk mitigation strategies. • Optimize underwriting criteria, scoring models, and approval processes. • Ensure compliance with federal/state regulations. • Prepare risk reports for management and stakeholders. • Develop approach for provisioning policy. • Collaborate with sales, underwriting, collections and finance teams to align risk and business objectives. • Collaborate with IT team to define requirements for datawarehouse and decision making tools. Requirements: • Education: Degree in Finance, Economics, Statistics, or related field. • Experience: 3+ years in credit risk management, preferably in POS lending, auto repair loans, or nonbank financial services. • Technical Skills: ◦ Proficiency in risk analytics, credit scoring models, and statistical tools (SQL, Python ?). ◦ Experience with loan origination systems and data visualization (eg. Power BI ?). • Knowledge of regulatory requirements: federal lending laws, state-specific regulations. Pros: • Experience in the automotive/body shop financing sector. • Knowledge of alternative data sources for decision-making system Preferred Location: Texas or Southern States Pay range: $35.00-$40.00 per hour