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Director – Risk and Decision Analytics
Rent-A-Center
Plano, TX, United States
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JOB PURPOSE:
The Director of Risk Modeling & Decision Analytics will design, develop and maintain complex statistical models that support the customer approval process, decision engine logic, customer risk management and pricing strategies for the Acceptance Now business. In this role, he/she will be required to collect & analyze large sets of data, build models, design experiments and make recommendations to manage customer risk, optimize pricing, maximize revenue, improve margins, and create significant value for the business. He/she will have the opportunity to design and create the function from scratch with an expectation to evolve into an enterprise wide capability.
KEY RESPONSIBILITIES:
• Develop solutions for extracting, managing and analyzing existing data
• Create, model and implement a data architecture and analytics solution that enables sophisticated analytical techniques (e.g., cohort analysis for portfolio performance)
• Store, organize, and manipulate data from reporting and production databases
• Develop customer risk models through the analysis of customer characteristics and rental agreement outcomes
• Design tests and experiments to constantly refine risk models, decision engine logic and pricing parameters
• Utilize advanced statistical software to do descriptive and predictive statistical analysis
• Perform cohort analysis to evaluate changes in risk models, decision engine logic and pricing parameters
• Create the necessary reporting and scorecards to track changes and performance of approval decisions and pricing changes (i.e., customer or agreement cohorts)
• Develop actionable business recommendations related to risk management, price optimization, and margin maximization
JOB REQUIREMENTS:
• Advanced degree in a highly quantitative field (e.g., Statistics, Mathematics, Economics, Information Systems, etc.)
• 10+ years professional experience, including 5+ years in decision analytics, risk modeling and/or predictive statistics related functions
• Proficient with the use of advanced statistical analysis software and capabilities (e.g., SAS, R, SQL programing, etc.)
• Strong experience with data architecture, data mining and data integration
• Ability to conduct extensive data research and handle large datasets
• Experience in Financial Services, Risk Management, Subprime Lending, etc.
• Capable of communicating and expressing ideas clearly & concisely, in both written & oral formats
• Highly organized and detail-oriented with proven ability to multi-task
• Self-motivated, independent and resourceful
• Capable of being objective and giving/taking constructive feedback
• A natural proclivity for questioning assumptions and challenging orthodoxies