Risk Management Analyst I- Loss Mitigation

Since 1927, the Mariner Finance family of companies has provided customers with creative, flexible, and convenient lending options. Headquartered in Baltimore, Mariner Finance operates coast-to-coast with physical locations in over half the states. With a growing number of employees, superior customer service remains the cornerstone of our business, and we pride ourselves in delivering a variety of loans with an enhanced focus on exceptional service. We work with customers to find options that are beneficial to their specific needs, which is why we are recognized by our customers as one of the community s consumer finance companies of choice.

• Collect, analyze, and interpret data related to delinquency, recovery, and loss trends across all stages of the credit lifecycle.
• Prepare regular reports and dashboards summarizing key performance metrics for management review.
• Support ad-hoc analytical requests to investigate performance drivers, portfolio movements, and risk exposures.
• Assist in the implementation and tracking of loss mitigation strategies, including hardship programs, settlement offers, and post charge-off recovery tactics.
• Partner with Central Operations to ensure accurate and timely execution of strategy changes, campaign launches, and process updates.
• Participate in controlled testing and analysis of new strategies to evaluate effectiveness and impact.
• Maintain data accuracy within analytical tools, reports, and systems supporting loss mitigation processes.
• Help enhance existing tools and contribute to the design of new dashboards, reports, and automation workflows.
• Collaborate with Technology and Data Science teams to support model performance monitoring and data integration efforts.
• Partner with colleagues in Credit, Collections, Operations, and Risk to ensure strategies are aligned and effectively executed.
• Support presentations and documentation for internal stakeholders, including senior management and compliance reviews.
• Participate in projects that enhance the customer experience, improve efficiency, and strengthen overall risk controls.
• Develop a working knowledge of credit risk fundamentals, loss mitigation strategies, and consumer lending operations.
• Actively engage in ongoing training and mentorship from senior risk leaders to build technical, analytical, and business acumen.
• Stay current on industry trends, emerging technologies, and regulatory developments affecting credit and loss mitigation.

• Bachelor s degree in a quantitative field of study (Statistics, Economics, Finance, Engineering, Applied Mathematics, etc.) with an exceptional academic record.
• Experience with SAS, SQL, or similar tools.
• Strong technical skills with proficiency in MS Office suite; Advanced in Excel (e.g., pivots, advance formulas, macros).
• Understanding of general risk principles and financial concepts.
• Demonstrate a strong commitment to continuous learning, actively seeking out opportunities to acquire new skills and stay abreast of industry trends.
• Excellent interpersonal skills necessary to communicate professionally and effectively, verbally and in writing, with all levels of company staff.
• Highly-motivated self-starter with strong work ethic, exceptional attention to detail, and ability to complete tasks and support multiple projects simultaneously.
• Strong analytical, problem-solving, organizational, and project administration skills.
• Results oriented individual with the ability to translate plans into actions.

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• Experience in credit loss forecasting and/or credit risk analysis.
• Experience with Python, R, or similar tools.

Work hours will depend on the business hours of the time zone serviced.

To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs.

For information regarding our benefits, please visit:

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While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender, gender identity or expression, marital status, age, religion, national origin, sexual orientation, familial or caregiver status, citizenship status, status as a victim of domestic violence, medical condition, genetic information, pregnancy, physical or mental disability, or status as a disabled or Vietnam era veteran. Employee must be able to perform the essential duties/functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job, absent undue hardship. Drug/Alcohol/Smoke-free workplace.