Manager, Risk Strategy

Manager, Risk Strategy – FTL Finance

Position to strengthen FTL’s risk standards, oversee underwriting operations, and ensure portfolio performance supports company growth and profitability. As FTL expands beyond HVAC financing into a broader range of home improvement projects, this role offers a unique opportunity to apply analytical and leadership expertise in a specialized consumer finance environment.

• Own and evolve contractor and customer risk standards—ensuring only ethical, financially sound contractors are enrolled and customers are properly vetted.
• Lead, coach, and develop the underwriting team, driving consistent, high‑quality decisions on credit and contractor approval.
• Set and maintain underwriting policies that balance growth goals with prudent risk management.
• Monitor real‑time portfolio risk signals, making proactive decisions to protect portfolio integrity.
• Build and refine risk‑based pricing models, delivering clear insights on credit risk, profitability, and competitive positioning.
• Provide executive‑level reporting and recommendations, including portfolio analytics, pricing performance, and scenario modeling.
• Lead process improvements and automation efforts—evaluating and integrating new data sources—to enhance efficiency, strengthen underwriting models, reduce risk, and support long‑term growth.
• Assist with special projects and other duties as assigned.

• 4+ years of experience in an analytically driven role (finance, risk, consulting, or analytics).
• Experience in consumer lending, home improvement financing, or contractor/vendor risk management strongly preferred.
• Strong analytical and critical thinking skills with intellectual curiosity.
• Proven expertise in risk assessment, underwriting, or portfolio/pricing analysis.
• Familiarity with competitive benchmarking, risk‑based pricing strategies, and credit performance metrics.
• Excellent communication skills with the ability to influence across organizational levels.
• Strong process improvement mindset with experience in automation initiatives.
• Highly coachable, detail‑oriented, and self‑motivated.
• Technical proficiency: SQL and Tableau (or similar BI tools).

• A dynamic, fast‑paced, fun and inclusive work environment (with always‑stocked snacks and beverages).
• Annual company parties and fun team events.
• Growth and development opportunities.
• Hybrid work arrangement (3 days in‑office/2 days remote).
• Monthly team celebrations and luncheons.
• Excellent offerings under our group benefit plans for medical, dental, vision, FSA, etc.
• 401(K) plan with a company match of up to 4%.

Location:

O’Fallon, MO

Salary: $ – $ annually