Assistant Director, Risk Analytics

What’s Under the Hood

DriveTime Family of Brands includes in-house financing and servicing through Bridgecrest, which is one of the country’s leading financial servicing providers. Bridgecrest services roughly $25+ billion in finance receivables for DriveTime and other third parties. We service auto loans across a wide credit spectrum with the intent of creating a strong path to vehicle ownership for our customers.

That’s Nice, But What’s the Job?

This is not a position for which sponsorship will be provided. Individuals with temporary visas or who need sponsorship now or in the future are not eligible for hire at this time.

In short, the Assistant Director, Risk Analytics is responsible for optimizing loan pricing and origination risk strategies to maximize growth and profitability. This role blends strategic risk analytics, forecasting, and origination decisioning into a single, high-impact leadership position. You will own and evolve key pricing and forecasting frameworks used across the business, while leading a team of highly talented analysts. You’ll partner closely with Product, Data Science, Technology, Finance, and Operations to translate complex data into actionable strategies that directly influence sales, portfolio performance, and long-term profitability.

In long as the Assistant Director you will:

• Design, enhance, and modernize loan pricing strategies that balance growth, risk, and profitability.
• Leverage advanced quantitative and financial modeling to identify opportunities for improved pricing, segmentation, and risk-adjusted returns.
• Translate ambiguous or emerging data into clear insights and executable pricing strategies.
• Support and enhance origination decisioning frameworks, risk segmentation strategies, and pricing logic across the customer lifecycle.

• Evaluate and integrate third-party data sources and analytical tools to strengthen risk assessment and pricing accuracy.
• Identify opportunities to improve approval rates, customer flow, and loan performance through data-driven experimentation and analysis.
• Lead, develop, and mentor a team of high-performing analysts, fostering a culture of curiosity, accountability, and continuous improvement.

• Independently drive multiple high-impact initiatives from concept through execution.
• Frequently present analytical findings and strategic recommendations to senior and executive leadership.
• Partner cross-functionally with Retail, Marketing, Supply Chain, Finance, IT, Data Science, and Operations to implement scalable, enterprise-wide solutions.

So What Kind of Folks Are We Looking for? 

• Strategic thinker.  We are looking for an individual that takes an insightful, future oriented, open-minded and proactive approach to thinking. 
• Entrepreneurial spirit.  An attitude and approach to thinking that actively seeks out change.  You’ll need a mindset that embraces critical questioning, innovation and continuous improvement.
• Operate autonomously.  This isn’t a “hold your hand” kind of role.  We give you autonomy to be creative in your space and do your thing.  We need an individual that is self-motivated to get the work done and get the work done well.
• Excellent verbal and written communication skills. The ability to talk and write with confidence, charisma and competence for a wide variety of audiences including management.
• Passionate and goal-oriented.  We are looking for someone that is enthusiastic about their work and is passionate about not only meeting their goals but exceeding them.
• Rebel with a cause.  You are always looking beyond the obvious for continuous improvement.

The Specifics.

• Bachelor's or master's degree in a quantitative field such as economics, finance, statistics, engineering, or related hard science discipline. 
• 5+ years of analytics experience (financial services industry preferred).
• Strong understanding of data sources/warehouses, data mining and data analysis techniques preferably in SQL, R, Java, or Python programming languages.
• Exceptional problem-solving skills, collaborative teamwork, intellectual horsepower, curiosity, initiative, and attention to detail.
• Extensive experience using analysis to drive strategy, with consumer credit risk management experience being a plus. 
• Extensive experience performing data analysis and summarizing findings in executive-level presentations. 
• Ability to simplify complexity and communicate statistical and analytical concepts and findings to executive, operational, and technical audiences with appropriate levels of detail and emphasis.
• Experienced project manager able to lead multiple initiatives simultaneously.

Nice to Haves.

• 2+ years’ experience in leadership or people management roles

So What About the Perks? Perks matter

• We take a hybrid work approach, finding balance between the benefits of in-person and work-from-home environments. This position has an on-site expectation of a minimum of three days a week.
• Medical, dental, and vision, oh my! DriveTime Family of Brands covers a sizable amount of insurance premiums to ensure our employees receive top-tier healthcare coverage. 
• But Wait, There’s More. 401(K), Company paid life insurance policy, short and long-term disability coverage to name a few.
• Growth Opportunities. You grow, I grow, we all grow!  But seriously, DriveTime Family of Brands is committed to providing its employees with every opportunity to grow professionally with roughly over 1,000 employees promoted year over year.
• Tuition Reimbursement. We’re as passionate about your professional development as you are. With that, we’ll put our money where our mouth is.
• Wellness Program. Health is wealth! This program includes self-guided coaching and journeys, cash incentives and discounts on your medical premiums through engaging in fun activities!
• Gratitude is Green.  We offer competitive pay across the organization, because, well… money matters!

• In-House Gym. We want our employees to be the best versions of themselves. So come early, take a break in your day or finish strong with a workout!
• Give Us a Reason (or not), and We’ll Celebrate.  Regardless of whether there is a holiday or not, we are finding ways to kick back and enjoy each other’s company outside of day-to-day work.
• Smart-Casual Dress. Come dressed in jeans (you’ll fit right in with the rest of us).

• Paid Time Off. Not just lip service: we work hard, to play hard!  Paid time off includes (for all full-time roles) wellness days, holidays, and good ole' fashioned YOU time!  For our Part-timers, don't fear you get some time too...vacation time is available - the more you work, the more you earn!

Anything Else?  Absolutely.

DriveTime Family of Brands is Great Place to Work Certified! And get this: 90% of our rockstar employees say they feel right at home here.  We could spend a lot of time having you read about ALL our awards, but we’ll save time (and practice some humility) just naming a few others; Comparably Awards: Best Company for Diversity, Best Company Culture and Best Company Leadership, oh and don’t forget Phoenix Business Journal Healthiest Employers (okay, we’ll stop there)!

Hiring is contingent upon successful completion of our background and drug screening process. DriveTime is a drug-free, tobacco-free workplace and an Equal Opportunity Employer.

And when it comes to hiring, we don't just look for the right person for the job, we seek out the right person for DriveTime. Buckle up for plenty of opportunities to grow in a professional, fun, and high-energy environment!