Financial Risk Analyst

Financial Risk Analyst
Los Angeles, CA | On-site role

OVERVIEW

Westlake Financial Services is the largest privately-held auto finance technology company in the United States with $10 Billion assets under management. Our portfolio also spans Credit Card and personal loans, giving the team a broad and growing lending platform to shape.

As a Financial Analyst in the Business Strategy and Analytics division, you will join a fast-paced, data-driven team that supports senior executives and influences corporate direction. You will build and refine models for our consumer lending platform, evaluate portfolio performance, and help guide pricing, risk, and profitability decisions across Auto, Credit Card, and Unsecured products.

We are looking for candidates with 1-3 years of analyst experience and a bachelor's degree in finance, economics, math, or a similar field. The ideal candidate loves data, stays curious, and approaches complex problems with a disciplined, solution-oriented mindset.

RESPONSIBILITIES

• Lead targeted enhancements to the proprietary Westlake Buy ProgramTM and associated underwriting policies in partnership with key stakeholders.
• Design and implement pricing programs for Credit Card and Unsecured Loan products, balancing growth, risk, and profitability objectives.
• Develop pricing models and statistical models to evaluate loss, profitability, and portfolio performance.
• Conduct market and customer research to identify new opportunities, products, and performance drivers.
• Build management reporting and data-warehouse foundations to support new programs and decision-making.
• Present clear, data-driven insights and recommendations to senior leadership.
• Increase team productivity by improving processes and leveraging automation and AI tools.

SKILL SET

• Advanced knowledge of Microsoft Excel, including financial and/or decision analysis modeling.
• Fundamental knowledge of Structured Query Language (SQL).
• Ability to interpret large amounts of data from multiple sources and extrapolate trends.
• Entrepreneurial, intellectually curious, detail-oriented, and self-motivated.
• Able to quickly adapt to changes in a dynamic work environment.

What’s the expected pay for this role? 

• $68,000 to $78,000 per year.
• The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable

What do we offer?  

• Medical, Dental, and Vision benefits 
• Life Insurance and Long-term disability plans 
• Flexible Spending Account 
• 401K matching 
• Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching 
• Wellness Programs 
• Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only) 
• Career Path Opportunities 
• Discounts on Parks, Museums, Movie Tickets, and Attractions 
• Annual Flu Shot
• Paid Vacations Days 
• Paid Sick days 
• Paid holidays 
• HGym (available in our Los Angeles, CA & Dallas,TX office) 
• Rental Car Discounts, Dell Member Purchase Program 
• UKG Wallet 

Acknowledgment  

We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. 

We are an equal-opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.