Senior Business Analyst

In business for more than 70 years, Republic Finance is proud to be a trusted lender in over 300 communities across the United States! We specialize in providing flexible lending solutions and outstanding customer service. Driven by our shared mission to pursue excellence for our team, our customers, and our performance, we are continuously improving our customer offerings in tandem with opening more branches in new states each year. We also regularly promote from within and enjoy giving back to the communities we serve. In a nutshell, our company culture is about helping customers, investing in our employee's future, and ensuring that our performance makes an impact on our community!

• Continuously challenge and enhance loss mitigation strategies and scorecards through analysis of customer behavior data and sophisticated statistical and financial modeling.
• Maintain a rigorous performance monitoring framework and management dashboards to highlight performance trends and areas of opportunity.
• Develop best-in-class loss mitigation products that provide our consumers solutions while minimizing portfolio risk.
• Establish a robust test and learn environment for continual loss mitigation and collections strategy improvement.
• Build and maintain a robust economic framework that will serve as the foundation for business decision-making.
• Ensure loss mitigation policy remains compliant with all applicable laws and regulations.
• Maintain transparent communication and trust with all key stakeholders.

• Bachelor’s degree in a STEM major is required, advanced degree is preferred.
• 2-4 years of experience as an analyst in lending originations or loss mitigation.
• Experience with statistical modeling and forecasting, portfolio P&L simulation, vintage profitability tracking and marginal expansion strategies.
• Familiarity with loss mitigation and collections strategies, loss forecasting, and/or collections KPI’s
• 1+ years of experience with SQL and/or Python querying required.
• Strong communication and presentation skills, leadership skills, a high level of initiative, intellectual curiosity and creativity
• A robust understanding of the consumer lending business that includes the various facets of a specialty lending operation.
• Familiarity with conducting monthly loan-level and segment-level delinquency forecasts.

• Health, Dental, & Vision Insurance
• 15 days of Paid Time Off (PTO) to start + 1 additional personal holiday
• 401k + employer match
• Company provided Life Insurance & Long Term Disability
• Employee Assistance Program - Confidential mental health support

• Access to LinkedIn Learning's library of 10,000+ professional development courses
• Employee of the Month Program
• Philanthropic support for multiple charities including an annual drive for St. Jude Children's Research Hospital
• Regular drawings for Sports tickets
• Professional offices with a friendly team environment

• Bachelor’s degree in a STEM major is required, advanced degree is preferred.
• 2-4 years of experience as an analyst in lending originations or loss mitigation.
• Experience with statistical modeling and forecasting, portfolio P&L simulation, vintage profitability tracking and marginal expansion strategies.
• Familiarity with loss mitigation and collections strategies, loss forecasting, and/or collections KPI’s
• 1+ years of experience with SQL and/or Python querying required.
• Strong communication and presentation skills, leadership skills, a high level of initiative, intellectual curiosity and creativity
• A robust understanding of the consumer lending business that includes the various facets of a specialty lending operation.
• Familiarity with conducting monthly loan-level and segment-level delinquency forecasts.