Title: Senior Risk Analyst Location: Canada Remote Department: Risk & Analytics Category Risk & Analytics Brand Attain Finance Remote Yes Location : Country CA Job Description: Overview Attain Finance is one of the largest, fastest growing full-spectrum consumer credit lenders in the United States and Canada. Our licensed, direct lending products and heightened customer service focus are at the core of what we offer. We have an upbeat, friendly and fast-paced environment. Our employees are excited to be a part of the Attain family, as evidenced by our low turnover rates and energized company culture. We’ve consistently grown well ahead of other loan lenders and are primed for continued growth and enduring success. Come and work for a company that has distinguished itself from competitors with quality product offerings, genuine customer service, robust operating systems, state-of-the-art call center, and a track record of new product innovation! At Attain Finance, managing risk is of the utmost importance to us. Our goal is to ensure we are providing access to money to underbanked consumers, while minimizing the company’s financial and regulatory risk exposure. Reporting to the Director of Risk Strategy, this team member utilizes cash flow, application, and bureau data to provide analysis across various aspects of the customer life cycle including underwriting, account management and/or collections. The incumbent will be responsible for developing, designing, analyzing, and implementing underwriting and portfolio management account risk strategies. As a member of our Risk Department, you will be a part of a very dynamic, learning-oriented risk team that thrives on innovation and opportunities to spearhead the deployment of new technologies for managing the growth of Attain’s lending portfolios. Responsibilities - Ability to develop underwriting strategies for the assigned loan portfolio as evidenced from improved performance (reduced defaults, increased receivables and/or revenue) and achieving desired business objectives - Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment - Develop dashboards to monitor and analyze portfolio and segment-level performance including performance of implemented strategies - Build and automate complex queries across database and create dynamic reports to enhance credit risk insights - Understand the data environment and be able to investigate issues to appropriately prioritize and set expectations for key reporting and analytical priorities - Coaches and mentors other analysts and acts as a thought leader within the analyst community - Work closely with internal groups to devise risk policies. Identify actionable insights, suggest recommendations, and influence the direction of the business by effectively communicating results to cross functional groups - Become familiar with assigned markets and products for use in developing/modifying underwriting strategies to meet business goals - Successfully manage multiple projects and timeline Qualifications BS/MS in a quantitative discipline (Statistics, math, qualitative social science, operation management, finance, ) or equivalent working experience - 4+ years of experience in credit risk or analytical experience in a related industry. Experience in Financial Services with emphasis on risk management/scoring of consumer lending products - Familiarity with data from credit bureaus and third-party data providers - Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and tell a story - Strong organization skills and the ability to communicate effectively, both verbally and written - Exceptional problem-solving skills and ability to work effectively with minimal supervision - Comfortable working both independently and in a team environment - High proficiency with any of SQL/Snowflake/SAS - Knowledge of Python or R is a plus - Experience with A/B testing and data visualization (Sigma, Tableau) is a plus - Familiarity with statistical modeling techniques - Experience in Canadian consumer lending market is a plus Base Salary: $90,000 - $140,000 CAD The base salary range represents the low and high end of the anticipated salary range for this position based on the Canada average. The actual base salary offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience. All full-time salaried employees are eligible for the following benefits, starting on day one: Paid Time Off Program, Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages. You will also be eligible to participate in our RRSP/DPSP program once you have completed 3 months of employment with a company match. Other company perks include access to the Employee Assistance Program, Emergency Relief Fund, Diversity and Inclusion Council, Tuition Reimbursement, Leadership and Development Programs. #Remote #AttainFinance

Role Description CRNCY Group is seeking a Credit Risk Analytics Specialist to help improve credit rule calibration and first-time loan sizing across our lending portfolio. The main objective of this role is to use historical application, loan, repayment, and collections data to determine whether our current underwriting rules are properly sizing first loans and approving the right customers. The role will focus on: - Identifying where we may be under-lending to strong customers. - Over-lending to higher-risk customers. - Creating adverse selection through our current rules. Over time, the role should help CRNCY move toward a more risk-based credit system, including: - Stronger customer segmentation. - Better loan amount calibration. - Improved performance measurement. - Risk-based pricing or variable rates. Qualifications - Experience helping a lender move from basic, rule-based underwriting to a more data-driven and risk-based credit model. - Worked in environments with basic, conditional, or one-size-fits-all credit rules while maintaining strong repayment discipline, low risk tolerance, and high recovery performance. Requirements - Improving underwriting in practical, step-by-step stages. - Using messy internal lending data to identify repayment patterns, customer risk, and affordability signals. - Calibrating loan amounts based on customer risk, income, payment capacity, and repayment behavior. - Introducing customer segmentation, scorecards, risk tiers, or probability-of-default models. - Testing credit rule changes in controlled increments before full rollout. - Using delinquency, default, collections, and repeat-borrowing data to improve underwriting decisions. - Supporting the move from flat pricing or one-size-fits-all offers toward risk-based pricing or variable rates. - Operating in markets where external credit bureau data, open banking, cashflow tools, or alternative data providers are non-existent or not fully integrated. Technical Skills Needed - SQL and Python to analyze application, loan, repayment, default, and collections data. - Credit risk modeling, including probability of default, first-payment default, scorecards, and customer risk segmentation. - First-loan sizing and affordability analysis, including payment-to-income rules and loan amount calibration. - Modeling techniques such as logistic regression, XGBoost, LightGBM, or similar practical machine learning methods. - Cohort analysis and portfolio performance tracking, including delinquency, default, expected loss, repeat borrowing, and collections outcomes. - Model validation and backtesting, including out-of-time testing and data leakage prevention. - Scenario testing and controlled experiments, including champion/challenger testing, A/B testing, Bayesian testing, causal inference, or Monte Carlo simulation. - Predictive customer value analysis, including repeat borrowing behavior, customer lifetime value, and risk-adjusted profitability. - Analytics and decisioning tools, such as BigQuery, Power BI, dbt, Taktile, Provenir, Alloy, Zoot, or similar platforms. What Success Looks Like - Clear customer risk segments. - Better first-loan amount bands. - Identification of under-lending pockets. - Recommendations for rule changes and approval thresholds. - Scenario analysis showing expected impact on approvals, defaults, collections, conversion, and profit. - Monitoring reports to track whether changes are working. - A practical roadmap toward risk-based pricing and scalable credit decisioning. What We Do Not Need We are not looking for a general business/process analyst, a research-heavy data scientist, or someone who depends on perfect external data, credit bureaus, open banking, or advanced AI tools to produce useful insights. The right person must be practical, hands-on, and able to work with the data we have today to solve the immediate first-loan sizing and underwriting calibration problem before moving into more complex modelling or long-term optimization. Compensation This is a contract-to-hire role with an expected hourly range of US$125–$175 per hour, depending on experience. Final compensation will be based on the candidate’s hands-on credit risk modeling experience, technical skillset, lending background, and ability to translate analysis into practical underwriting recommendations.

Title: Insurance Risk Interviewer I Category Customer Service Location Lee's Summit, Missouri Job function Operations Job family Client Services Shift Day Employee type Regular Full-Time Work mode Remote Job Description Insurance Risk Interviewer I - Monday to Friday, 9:00AM to 6:00PM Central, with rotational weekends The primary purpose of this position is to complete life insurance medical and financial interviews via telephone through outbound calls for multiple client companies Pay: $17/ hour Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. Successful candidates may be eligible to receive annual performance bonus compensation. Benefits information: We are proud to offer best-in-class benefits and programs to support employees and their families in living healthy, happy lives. Our pay and benefit plans have been designed to promote employee health in all respects - physical, financial, and developmental. Depending on whether it is a part-time or full-time position, some of the benefits offered may include: - Day 1 Medical, supplemental health, dental & vision for FT employees who work 30+ hours - Best-in-class well-being programs - Annual, no-cost health assessment program Blueprint for Wellness - healthyMINDS mental health program - Vacation and Health/Flex Time - 6 Holidays plus 1 "MyDay" off - FinFit financial coaching and services - 401(k) pre-tax and/or Roth IRA with company match up to 5% after 12 months of service - Employee stock purchase plan - Life and disability insurance, plus buy-up option - Flexible Spending Accounts - Annual incentive plans - Matching gifts program - Education assistance through MyQuest for Education - Career advancement opportunities - and so much more! Responsibilities: - Place outbound calls to contact life insurance applicants. Complete interview with applicants or leaves a message for a return call. - Gather medical, financial, occupational, and avocation histories during interview. - Review and edit information collected during the interview for quality assurance purposes. - Use the C4 Call Management System, Dialer and Avaya Phone System to make telephone calls, log call attempts, document information within orders as necessary and record call results. - Learn the specific requirements stipulated by each client company. - Respond to the needs and requests of clients, staff and management in a professional and expedient manner. - Observe all compliance policies and safety policies and procedures as outlined in the Safety Manual or safety matters included in other special training. - Perform other duties as assigned to meet the business needs or customer requirements. This is not an exhaustive list of all duties and responsibilities, but rather a general description of work performed by the position. Qualifications: Preferred Work Experience: Previous experience with medical terminology, life insurance industry, or customer service preferred. Physical and Mental Requirements: - Regularly required to communicate in person, by email and on the telephone. - Frequently required to sit, stand, walk, bend, stoop, crouch and reach with hands and arms. - Frequently required to use hands to finger, handle, or feel in order to operate computer keyboard, office equipment and other essential tasks. - The normal performance of duties may require lifting and carrying objects: Objects 1 to 10 pounds are lifted and carried frequently; objects 11 to 25 pounds are lifted and carried infrequently. Knowledge: Proper telephone etiquette to handle inbound and outbound calls. Skills: - Excellent interpersonal and communication skills (oral and written) necessary to effectively interact with applicants and co-workers.. - Proficiency in Microsoft Office (Word, Excel, Access and Outlook) - Type 30 wpm. - Accurate and detail oriented. - Good organizational skills. - Proficient teamwork skills. Education - High School Diploma or Equivalent (Required) 60731 Quest Diagnostics honors our service members and encourages veterans to apply. While we appreciate and value our staffing partners, we do not accept unsolicited resumes from agencies. Quest will not be responsible for paying agency fees for any individual as to whom an agency has sent an unsolicited resume.

• Drive program execution excellence and portfolio governance across GTS and GTS led strategic initiatives. • Ensure alignment between strategic objectives, business priorities, and operational execution effective program management, and portfolio governance across the organization. • Partner closely with Process & Service Excellence (PSE) and Adoption & Change Enablement (ACE) leaders to ensure timely and effective portfolio decisions and program execution. • Serve as a strategic advisor to the GTS Leadership Team on portfolio priorities, execution trade-offs, and value realization. • Oversee enterprise-wide program and project delivery through standardized frameworks and gated governance models. • Ensure resource allocation, risk management, and timeline adherence for all major initiatives by collaborating with cross-functional teams.