Risk Group Manager

Key Responsibilities:

• Design, develop and maintain KMRF’s Risk Management Framework
• Assist VP-Risk or Chief Risk Officer in developing and refining Credit Risk strategies and initiatives.
• Analyze and assess risk factors associated with loan origination and financial operations.
• Work closely with cross-functional teams, including Finance and Planning Analysts, underwriters, funders, sales & marketing teams, and domain experts.
• Collaborate with the statistical modeler to develop and refine risk models.
• Work closely with underwriters to implement risk mitigation strategies and ensure effective risk management.
• Monitor and evaluate the performance of risk models and make necessary adjustments.
• Interact with administrators of Decision Systems of KMRF to implement credit policies and Risk controls.
• Prepare detailed risk assessment reports and present findings to senior management.
• Provide data-driven insights that inform strategic decisions and drive business growth.
• Conduct stress testing and scenario analysis to evaluate potential impacts on the company’s financial health.
• Recommend optimal level of automation strategies that balance risk and efficiency.
• Stay updated on industry trends, regulatory changes, and best practices in risk management.
• Utilize Loan Origination Systems (LOS) to process and manage funding transactions.
• Ensure compliance with company policies, regulatory requirements, and industry standards.
• Provide recommendations for improving risk management processes and enhancing overall risk awareness within the company.
• Mentor junior team members and contribute to knowledge-sharing sessions.
• Prepare comprehensive reports for executive management and the Board, analyzing lending trends and market conditions.
• Ensure adherence to all relevant regulations and internal policies.
• Collaborate closely with Legal and Compliance teams to maintain high standards and stay abreast of regulatory changes and industry best practices.
• All other job duties as assigned.

Qualifications:

• Bachelor’s degree in Finance, Economics, Risk Management, Statistics, or related field.
• Minimum of 7-9 years of experience in risk analysis, financial analysis, or related roles.
• First-hand experience in developing credit policies and risk management controls.
• Strong analytical and problem-solving skills.
• Proficiency in statistical software and risk management tools (e.g., R, Python, SAS).
• Experience with data analysis and financial modeling.
• Familiarity with cloud-based Loan Origination and Decision platforms
• Excellent communication and interpersonal skills.
• High attention to detail and accuracy.
• Ability to work collaboratively with cross-functional teams.
• Proven experience influencing strategy and driving change across org boundaries through clear and compelling communication of data-driven insights and analyses
• Ability to work on-site at our Foothill Ranch, CA office.
• Intellectual curiosity, drive, and decisiveness with ambiguous and complex environments
• Familiarity with financial services and loan origination processes is preferred.

Profile Differentiators:

• Experience in founding, co-founding or working in a fast-paced startup environment.
• Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs)
• Experience in a FinTech startup.
• Prior experience in managing a team of Data Scientists and Risk Analysts
• Master’s degree or Advanced Professional degree

Salary Range:

$120,000 - $140,000 annually, based on experience and qualifications.

Equal Opportunity:

KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.