When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.
Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.
Office Location
- Atlanta, GA - Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA-400, and a free shuttle to MARTA.
Work Culture
We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact.
QualificationsThe Role
- What a day looks like:
The Credit Risk Manager is responsible for delivering strategies that drive product growth and optimization for the private label retail business. You will own and manage credit risk strategies including population segmentation, the evaluation of new data sources, and product/price optimization across the credit spectrum. In addition, you will optimize strategies, new and existing, to drive new account originations and deliver incremental profit. The candidate should be able to apply knowledge of credit strategy as well as communicate complex topics to colleagues, management, and other stakeholders within the company.
- Evaluate new data and partner data sources for underwriting and line assignment strategies using statistical analysis techniques such as CHAID Decision Trees, optimization procedures, loss forecasting, enhanced process monitoring, data quality analyses, and incorporate score implementations supporting launch
- Develop and monitor customized manual underwriting process
- Work with Segment / Strategic Analytics / Decision Science staff to ensure project completion within agreed time frames and end-client satisfaction
- Analyze, validate, track, and monitor delivered projects
- Interact with Business Development and/or Client Management to discuss new opportunities and/or changes to client portfolio
- Primary Responsibilities:
- Deliver profitable growth through the development of new strategies and the optimization of existing strategies through the assessment of credit risk and P&L drivers
- Develop and maintain Key Performance Indicators (KPI)
- Develop strategies focusing on growth, profitability, and competitive success while catering to needs of the consumer
- Applies knowledge of credit card regulations in the development, implementation, and monitoring of credit strategies
- Perform ad-hoc and recurrent credit risk analytical work
- Collaborate and partner across the business (Risk, Marketing, Business Development to drive highly visible and impactful projects
- Communicate strategies to management and other stakeholders
- You’re a great fit if you have:
- Bachelor's degree and 5+ years of Credit Card Industry experience
- Fundamental knowledge of credit scoring, underwriting, and credit risk management
- Familiar with a wide variety of credit card industry concepts, practices, and metrics across credit policy, credit risk, and loss forecasting
- Extensive experience working hands-on with SAS/SQL or equivalent to independently write queries to generate reports and perform ad-hoc analyses
- Proficiency in analytical or reporting tools such as SAS, R, Python, or Tableau
- Excellent written and verbal communication skills
Why You’ll Love Working Here
This isn’t just a job, it’s a place to lead, grow, and thrive. If you believe in your skills and drive, we’ll provide the resources and support to help you succeed.
Benefits include:
- Generous PTO and holiday schedule
- 401(k) with company match
- Employee stock purchase plan
- Ongoing training (lunch & learns, financial and health webinars)
- Team volunteer outings
Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.
Skills Required
- Bachelor's degree
- 5+ years of Credit Card Industry experience
- Fundamental knowledge of credit scoring, underwriting, and credit risk management
- Familiarity with credit card industry concepts, credit policy, and loss forecasting
- Extensive hands-on experience with SAS and SQL or equivalent to write queries and perform analyses
- Proficiency with analytical or reporting tools such as SAS, R, Python, or Tableau
- Experience with statistical analysis techniques (e.g., CHAID decision trees), optimization, and loss forecasting
- Excellent written and verbal communication skills
- Knowledge of credit card regulations applicable to strategy development and monitoring
Atlanticus Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Atlanticus and has not been reviewed or approved by Atlanticus.
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Leave & Time Off Breadth — PTO and holidays are described as generous, including ample paid time off and company-paid volunteer hours. This emphasis on time away from work is a recurring strength in the package.
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Equity Value & Accessibility — An Employee Stock Purchase Plan priced around a 15% discount is broadly available (excluding executive officers). This design creates accessible ownership potential and is highlighted as a meaningful perk.
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Wellbeing & Lifestyle Benefits — Wellness programs, learning sessions, and on-site activities (e.g., yoga and social events) augment core coverage. These lifestyle elements add day-to-day value beyond standard insurance and retirement items.
Atlanticus Insights
What We Do
Empowering Better Financial Outcomes for Everyday Americans Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary technology and analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and $48 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare private label credit and general purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, internet-based marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.
