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 Engineering Business Systems 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.

• Foster a culture of risk awareness and accountability, and support to internal stakeholders.

• 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.

• Be part of the design sessions, daily standups and collaborate with other team members.

• 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.
• 3-8 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.
• Highly organized, detail-oriented, and capable of managing multiple priorities under tight deadlines.
• Strong analytical and problem-solving abilities, with a track record of making sound decisions in high-pressure situations.