Five days a week in the Boca Raton Corporate office
A growing innovative FinTech, eCommerce company, that provides brand name durable goods to consumers on a lease-to-own (LTO) basis through its ecommerce marketplace and LTO payment method. It also provides LTO technology platforms to retailers and e-tailers to enter transactions with consumers who want to obtain durable goods, but do not have the available cash or credit.
As a Risk Operations Business Analyst you will play a pivotal role in ensuring the stability, security, fraud prevention and success of our financial products and services. You will collaborate closely with cross-functional teams to analyze risk factors, develop underwriting strategies, and implement robust risk management requirements and change requests. This position requires a deep understanding of both risk assessment methodologies and business operations within a fast-paced, fluid environment.
Conduct comprehensive risk assessments to identify, evaluate, and mitigate potential risks associated with financial products and services in an RTO or LTO ecosystem.
Collaborate with product and development teams to integrate risk management requirements in the design of new products and features enhancements of current products.
Test, monitor decision policies, procedures, guidelines to ensure it meets original requirements.
Analyze data trends, dynamics, to enhance risk mitigation and Fraud prevention efforts.
Generate insightful tickets, and reports to communicate findings, key performance indicators, and actionable recommendations to senior management.
Partner with cross-functional teams, including (but not limited to) like product, engineering / development, operations, and compliance, to drive alignment and execution of risk management initiatives.
Stay abreast of emerging trends, technologies, and regulatory developments in the fintech and e-commerce sectors to anticipate and proactively address evolving risks.
These activities span overall timeline management, leading and coordinating meetings, vendor management, adherence to company SOPs, risk monitoring and mitigation & basic reporting.
This role will work cross-functionally with all departments to deliver high quality, value add solutions for our internal and external customers.
Proficient at documenting and maintaining Business Process, Process Flow Analysis, Detailed Functional Designs, mapping business requirements to flows, and Project Summaries
Manage multiple project / program requirements concurrently, tracking project schedule and quality deliverables in a dynamic environment with peers from other teams.
Coordinate with internal and external resources to ensure the timely and quality preparation of project deliverables based on assigned scope-of-services.
Be the connection between Risk and Engineering and instrumental in further improving the level of automation and decisioning.
Formulate and define clear parameters for our Decision Engine, QA / QC and create processes for continuous improvement.
Qualifications:
Bachelor's degree in technical field, business administration, risk management, or a related field; advanced degree or professional certification (e.g., FRM, CFA, CRM) preferred.
3-5 years of experience in risk analyst, underwriting, or related roles within the fintech, e-commerce, e-tailer, or financial services industries.
Demonstrated experience in Creating End to end User Journeys & Process flows.
Proficiency in project management software tools, Atlassian tool suite (Jira, Confluence), Excell
Strong analytical skills, with the ability to translate complex data into actionable insights and recommendations from business to Development.
Excellent communication and interpersonal skills, with the ability to effectively collaborate with diverse stakeholders and influence decision-making at all levels of the organization.
Demonstrated proficiency in risk engineering, and quantitative analysis.
Familiarity with regulatory requirements and industry standards, including but not limited to KYC/AML, AVS, FICO, and PSD2..
Strong analytical and problem-solving abilities, with a track record of making sound decisions in high-pressure situations