Senior Credit Risk Modeler

Description

POSITION DESCRIPTION

EnFin, a subsidiary of Qcells, the leading manufacturer of residential solar panels in the USA, is a financial services company dedicated to making solar energy accessible through innovative financing solutions. Headquartered in Irvine, California, EnFin provides competitive residential solar loans and third-party owned (TPO) products, empowering homeowners to manage energy costs while supporting solar installers’ growth. EnFin delivers seamless, affordable financing options to its extensive dealer network and customers. Join a mission-driven team focused on renewable energy and cutting-edge financial solutions, where your contributions will drive impactful change in the clean energy sector.

We are seeking a detail-oriented Senior Credit Risk Modeler with expertise in analyzing credit data to assess creditworthiness, mitigate risks, develop predictive models, generate reporting and support lending decisions. The ideal candidate will have a strong analytical mindset, experience with consumer credit bureaus, a proven track record in model development, analytics and advanced skills in data manipulation and report generation.

This position will be based out of one of our offices in Irvine, CA; San Francisco, CA; Santa Clara, CA; Teaneck, NJ; with a potential in-office schedule set at the direct manager’s discretion in accordance with the company policies and procedures.

RESPONSIBILITIES

• Perform risk assessments and recommend credit lending criteria based on thorough analysis of consumer information, credit data and model outputs.
• Build and maintain predictive models and predictive analytics to support credit lending decisioning and risk assessment.
• Leverage advanced SQL, SAS and Python skills for data manipulation, processing and analysis to support credit decisions.
• Utilize credit bureau data (e.g. Experian, Equifax, TransUnion) to assess risk profiles, generate predictive analytics and tools such as statistical models for use in evaluating risk.
• Analyze credit and consumer data and evaluate the creditworthiness of individuals or businesses.
• Design and generate reports to provide actionable insights for lending teams and stakeholders.
• Collaborate with lending teams to provide insights and support decision-making processes.
• Ensure compliance with regulatory requirements and internal credit policies.
• Prepare detailed reports and presentations summarizing credit analysis findings and model performance.
• Stay updated on industry trends, credit scoring models, and changes in credit bureau reporting standards.

REQUIRED QUALIFICATIONS

PREFERRED QUALIFICATIONS

Hanwha Q CELLS America Inc. (“HQCA”) is a Qcells company, one of the world’s largest manufacturers and providers of solar photovoltaic (PV) products and solutions.  Headquartered in Irvine, California, HQCA has been rapidly expanding its business in North America through the expansion of products and solutions, including distributed energy solutions, direct-to-homeowner solar sales and financing, and EPC services.  We provide an opportunity to be part of an exciting and growing world-class global business in an interesting and expanding industry of the future.

PHYSICAL, MENTAL & ENVIRONMENTAL DEMANDS :

To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation.

Mobility

Standing

20% of time

Sitting

70% of time

Walking

10% of time

Strength

Pulling

up to 10 Pounds

Pushing

up to 10 Pounds

Carrying

up to 10 Pounds

Lifting

up to 10 Pounds

Dexterity   (F = Frequently, O = Occasionally, N = Never)

Typing

Handling

Reaching

Agility   (F = Frequently, O = Occasionally, N = Never)

Turning

Twisting

Bending

Crouching

Balancing

Climbing

Crawling

Kneeling

The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to, skill set, education, licenses and certifications, essential job duties and requirements, and the necessary experience relative to the job’s minimum qualifications.

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