Manager, Credit Processes

Company: Conn's
Location: Magnolia
Posted on: March 19, 2023

Job Description:

**Overview:** The Credit Process Manager will assist in managing and monitoring credit originations. The person in this role will have strong knowledge of the credit risk function and credit reporting. In addition, this role requires proficiency in a variety of analytic methods and techniques as well as the application of such techniques using statistical and reporting tools. Responsibilities include gathering and processing data for various types of reporting including performance, test/control, trend analysis, credit analytics as well as automating such reporting and delivering to end users. Other responsibilities may include researching, analyzing, and implementing solutions using statistical methodologies and application of business rules. This position will help the organization drive revenue and reduce loss rates through effective credit risk management and support leadership with reporting on various projects and strategic initiatives. **Key Duties & Responsibilities:** + Design, develop, deploy, and maintain business solutions and reporting in support of sales growth and cost improvement initiatives. + Process, cleanse, and standardize data from multiple sources. Perform quality control on data by analyzing patterns and data discrepancies. + Create and maintain dashboards, segmentation reports and financial summary results. + Execute creation of credit reporting from ideation to deployment. + Automate the generation of reporting and delivery to end users. + Work with both internal and external data sources to create and reconcile data files and ensure accuracy of data processing. + Be responsible for identifying and utilizing best practices of data analysis and reporting to ensure accurate results. + Participate in testing of solutions such as user acceptance testing and post-deployment monitoring. + Maintain accurate and complete documentation of processes and initiatives. + Create and update Excel documents and pivot tables with efficiency. + Complete credit analytics, as needed, to support business growth and risk mitigation. + Take personal responsibility to ensure that you adhere to all regulatory requirements and apply appropriate controls in the interest of the company. + Be accountable. + Be a team player. + This is a senior level position and is required to work independently with less guidance of manager. + Mentor and coach more junior-level team members. + Other duties as assigned. **Required Experience** + Bachelor's degree in Finance, Economics, Mathematics, Statistics, Data Science, or other related field of study. + Knowledge and experience in financial or retail industry with an understanding of credit risk. + 3+ years of related experience involving reporting, credit analytics, customer segmentation and other risk management analyses. + 3+ years of hands-on experience using SQL, SAS or Python and writing code to extract, clean, and process data, create variables and explore patterns and relationships. + Working knowledge with relational database using procedures to extract, clean, manipulate, transfer data, create variables and generate reports. + Experience with statistics and analysis to explore patterns and identify meaningful relationships. + Proficiency in Microsoft Office, especially Excel, Word, PowerPoint. Advanced proficiency in Excel including creating and using pivot tables. **Preferred Experience** + Master's degree preferred. + Credit analytics experience using credit bureau data. **Skills & Abilities:** + Sound analytical and reporting skills (https://resources.workable.com/analytical-skills-interview-questions) with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy. + Knowledge and experience with reporting packages and advanced proficiency in Excel. + Preferred prior experience working with credit bureaus and other industry vendors. + Ability to work independently or with minimal guidance to identify and escalate issues and support issue resolution. + Perpetual interest in learning something new, a passion for problem-solving, comfort with ambiguity, and creativity. + Excellent communicator and creative thinker, with an ability to use data to inform decisions. + Demonstrated ability to multi-task in a fast-paced environment and shift priorities, as required. + Strong organizational skills with attention to detail and high level of personal accountability. + Excellent verbal, written and interpersonal skills. + Self-motivated. + Strong competency of the English language. #LI-SD1 Conn's History Conn's established in 1890 is a specialty retailer with approximately 4,500 employees and currently operating 130 retail locations in Alabama, Arizona, Colorado, Georgia, Louisiana, Mississippi, Nevada, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia. The Company's primary product categories include: + Furniture and mattress, including furniture and related accessories for the living room, dining room and bedroom, as well as both traditional and specialty mattresses; + Home appliances, including refrigerators, freezers, washers, dryers, dishwashers and ranges; + Consumer electronics, including LED, OLED, QLED, 4K Ultra HD, and smart televisions, gaming products and home theater and portable audio equipment; and + Home office, including computers, printers and accessories. Additionally, Conn's offers a variety of products on a seasonal basis. Unlike many of its competitors, Conn's provides flexible in-house credit options for its customers in addition to third-party financing programs and third-party lease-to-own payment plans. Our mission is to make it possible for everyone to purchase quality, long lasting products for their home. Conn's HomePlus is an equal opportunity employer.

Keywords: Conn's, Houston , Manager, Credit Processes, Executive , Magnolia, Texas