Job Title

Octane® is revolutionizing recreational purchases by delivering a seamless, end-to-end digital buying experience. We connect people with their passions by combining cutting-edge technology and innovative risk strategies to make lifestyle purchases - like powersports vehicles, RVs, and OPE - fast, easy, and accessible. Octane adds value throughout the customer journey: inspiring enthusiasts with our editorial brands, including Cycle World® and UTV Driver®, instantly prequalifying consumers for financing online, routing customers to dealerships for an easy closing, and supporting customers throughout their loan with superior loan servicing. Founded in 2014, we're a company with 550+ employees and over 30 OEM and 4,000 dealer partners. We are seeking a bright and resourceful Senior Risk Analyst to join the Credit Strategy team at Octane. In this role you will establish credit strategies in-line with our risk appetite and provide oversight and strategic direction on the recreational vehicle portfolio. An ideal candidate for this role will analyze proprietary and external loan origination data to optimize loss forecasting methodology and process in supporting the profitability of the portfolio. We value a candidate with strong problem solving/critical thinking skills who can clearly articulate key ideas and present to management across the firm. As a critical member of the credit strategy team, the candidate will have the opportunity to make an impactful contribution to the direction and success of the business. Responsibilities Develop methodology/model to forecast credit losses to support multiple areas across the business, including Risk, Finance and Capital Markets Analyze the key drivers of credit losses and forecast variances, and identify opportunities to improve the existing methodology Stress test the credit portfolio to understand the impact of changing economic, credit, and business conditions Perform various ad-hoc analytics to provide insights to management and build analytical tools to inform strategic business decisions Partner with technology to automate reporting and analytics tools by providing business requirements Prepare and present materials to senior management and other firmwide stakeholders, adapting messages to different audiences Maintain comprehensive documentation for loss forecasting policy Requirements A B.S. degree in a quantitative field such as statistics, econometrics or engineering (advanced degree a plus) Strong overall understanding of consumer credit and lending Minimum 3+ years of experience in performing credit analysis,including hands-on experience with Python or SQL and Excel modeling Experience with data visualization tools such as Tableau/ Power BI highly preferred Experience analyzing complex loan/transaction level data to formulate insightful conclusions and present key findings to broad audiences Strong written and oral communication skills Compensation: The role described above offers a base salary of $90,000 to $115,000. Your offer will be based on the alignment of your qualifications with the requirements of the job, location and internal equity. In addition to the above-mentioned salary, Total Rewards include a stock option package, and benefits as outlined below. Benefits Robust Health Care Plans (Medical, Dental & Vision) Generous Parental Leave Up to 5 weeks time off (self-managed) Retirement Plan (401k) with company match! Educational Assistance/Tuition Reimbursement up to $3K/year Life Insurance (Basic, Voluntary & AD&D) Short Term / Long Term Disability Robust Ancillary benefits including accident insurance, hospital insurance, etc. Gympass wellness benefit Powersports Safety Benefit Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment. #LI-JL1 #LI-Hybrid