Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value.  

Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.

Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co.

We are seeking a bright and resourceful Manager to join our Credit Strategy team. As a critical member of the team, you will establish credit strategies in-line with our risk appetite and provide strategic oversight on the recreational vehicle portfolio. You will work with origination and external market data to formulate optimal underwriting strategies that support the portfolio's profitability. The ideal candidate is a structured thinker who can methodically explain analysis to senior leaders, making meaningful contributions to the direction and success of the business.

Responsibilities: 

• Perform advanced data analytics and advise the underwriting strategies for loan origination, loan amount assignment, and loan pricings that optimize profitability.
• Take ownership of credit policy documentation and enhance policies and processes to mitigate credit risk exposure.
• Design and monitor key KPIs to provide insights into the credit lifecycle.
• Maintain quality control and validation that risk processes are working as expected.
• Improve sophistication and technical implementation of current approaches.
• Collaborate with the portfolio risk team to track credit performance and take action to manage the portfolio within the organization’s risk management appetite. 
• Develop business insights and communicate proposals to C-level audiences. 
• Work cross-functionally with the company’s Tech, Product, Sales, and Finance teams to lead and manage new credit product initiatives that further our mission of providing convenient point-of-sale financing to niche consumer products.

Requirements:

• A Bachelor’s degree in a quantitative field such as statistics, econometrics, decision sciences, or engineering (advanced degree preferred)
• Strong understanding of consumer credit and lending  
• 3+ years of experience in performing credit analysis, including experience with data visualization tools such as Tableau/ Power BI
• Exceptional hands-on experience Python, SQL, and Excel
• Experience taking analyses from raw data to polished recommendations and communicating complex, technical findings to broad audiences
• Strong written and oral communication skills

Compensation: In addition to salary, Total Rewards include bonus eligibility, a stock option package, and benefits as outlined below. The role described above offers a base salary of $110,000 to $150,000 + corporate bonus eligibility. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity

Benefits:

• Robust Health Care Plans (Medical, Dental & Vision)
• Generous Parental Leave
• Flexible Time Off (FTO) Policy - Time Off When You Need It
• Retirement Plan (401k) with company match!
• Educational Assistance/Tuition Reimbursement up to $3K/year 
• Life Insurance (Basic, Voluntary & AD&D)
• Short Term / Long Term Disability
• Robust Ancillary benefits including accident insurance, hospital insurance, etc
• Wellhub (Gympass) Wellness Benefit
• Recreational Safety Benefit

Disclaimer:  The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification.  They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.  All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.