Advance Financial is looking for an experienced professional to manage the business profitability assessment for its credit products (line of credit and installment loans). The role requires working directly on several aspects of the business – determining credit underwriting criteria at origination and line management policies for existing customers to minimize risk and improve profitability. This person will also be responsible for managing the financial model that forecasts the profitability of acquisition segments.

Benefits We Offer

Working at Advance Financial is more than just another job. We pride ourselves on creating a world-class experience for our customers and employees. Some of our benefits include:

  • 100% company-paid health insurance
  • 401k with 5% company match
  • Student Loan Repayment Plan
  • On-site gym

Essential Duties and Responsibilities

  • Develop and deploy acquisition strategy: underwriting, pricing, and line assignment
  • Develop and deploy comprehensive credit line management strategy covering the credit life cycle: early life vs mature; graduation; CLI vs CLD; LIR; etc.
  • Design randomized tests to improve credit strategy
  • Improve strategy and model performance by exploring new credit bureau attributes and alternative data sources
  • Manage multiple acquisition channels such as direct mail and lead buy program to achieve growth with quality
  • Develop and maintain financial forecasting models to forecast profitability of new vintages
  • Demonstrate company values throughout all interactions with internal and external contacts
  • All other duties as assigned


  • Bachelors/Master's Degree in Economics, Statistics, Engineering, Math or related field
  • 5+ years analytical experience in the consumer finance industry
  • 3+ years of experience leveraging data tools such as SQL, R, Python
  • 5+ years of experience conducting underwriting and pricing related analytics for credit cards or loans
  • Hands on manager to help build a small and growing team
  • Ability to translate analysis results into clearly defined and implementable strategies/rules
  • Strong quantitative and problem-solving skills with key attention to detail
  • High level of inquisitiveness, initiative and critical thinking

Physical Demands

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. He or she must be able to work with a computer screen that is quickly changing and flashing the user to be alert of specific information. Must be available to work all shifts, days, evenings, nights and weekends. Must be able to remain in a stationary position for 50% of the time.

Work Environment

Fast paced corporate environment. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

AAP/EEO Statement

In order to provide equal employment and advancement opportunities to all individuals, employment decisions at the Company will be based on merit, qualifications, and abilities. The Company does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, age, or any other characteristic protected by law. This policy governs all aspects of employment, including selection, job assignment, compensation, discipline, termination, and access to benefits and training. Any employees with questions or concerns about any type of discrimination in the workplace are encouraged to bring these issues to the attention of their immediate supervisor and/or the VP, Human Resources. Employees can raise concerns and make reports without fear of reprisal. Anyone found to be engaging in any type of unlawful discrimination will be subject to disciplinary action, up to and including termination of employment.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.