Backed by the strength of WSFS Bank – one of the oldest and largest locally-owned banks in the region – NewLane is a commercial equipment finance company serving small to mid-size business nationwide.

Our mantra – “Business Lending Done Right” – is part of every deal we put together and every interaction we have, whether you are a client, prospect, dealer or broker.

We’re committed to delivering fair and transparent financing solutions along with unmatched levels of speed, convenience and customer service.

Industry: Financial Services
Company Size: 51-200 employees

NewLane Finance

Savvy Admin PROD

NewLane Finance is seeking an individual to assist the credit and risk modeling and analytics function using data to advance credit risk behavior and quantification of these risk and return tradeoffs through the deployment of models and algorithms to optimize such strategies. This role will be responsible for providing analytical/quantitative input to help develop, implement, and monitor the build of complex commercial small business Expected Default (ED) and Probability of Default (PD) credit default models.

The successful candidate will use their business analysis, process, and quantitative knowledge to ensure business intent is matched with modeling outcome, and document development decisions under SR11‐7 guidelines. In addition to responsibilities on individual modeling projects this role will be expected to work on ad‐hoc projects as needed. Communicating model mechanics and articulating nuances to leadership will be an important aspect of the role. This is a great opportunity for someone who is a modeler/statistician/data analyst/coder (or a combination) with experience in commercial small business credit analysis.

**Key Responsibilities: **

- Assist the Quantitative Risk Manager in constructing a Credit Decision Scorecards and statistically based credit risk modeling strategies based on quantitative modeling methods (e.g., good / bad definition, performance sample windows, sample size and exclusions).

- Assist in developing and implementing a framework for data collection, processing and analyzing customer and 3rd party data (e.g., PayNet, D&B, consumer credit bureaus) for implementing credit risk strategies

-  Plan and execute self-driven analytics on large data sets (structured and unstructured data) using next generation technologies, prepare analysis and reports to support discussions on key analytics and model aspects to drive decision making

- Validate credit default rates from portfolio attributes (e.g., delinquencies, EOD, loss curves, dealer performance) and make recommendations on credit model and policies

- Work with sales management on risk-based pricing strategies optimizing dealer conversion rates and profitability.

- Oversight of credit data mart used for reporting and portfolio performance monitoring.

- Supporting ongoing and future projects working with the senior team.

- Ability to create visualizations of data and/or quantitative information for management decision-making

- Support building and enhancing procedures and model documentation in compliance with regulatory guidance as well as the Bank’s model risk policy

- Maintain current/develop new analytical reports and presentations for senior management, executive committees, and regulatory exams

**Experience: **

- Bachelor's degree in Mathematics/Statistics, Operations Research, Economics, Finance, or other quantitative discipline; or in lieu of a degree, four (4) plus years’ experience in Risk, Finance, Consumer Lending

- Three (3) plus years of commercial small business credit modeling experience.

- Two (2) plus years of experience in Consumer Lending statistical modeling/analytics, preferably related to ALL and/or Loss Forecasting modeling for credit cards.

- Two (2) plus years in coding with Python, PySpark or other equivalent language within the past Five (5) years

**Desired Characteristics: **

- Demonstrated experience with SAS and other statistical methods.

- Proven decision-making role constructing credit models in a regulated environment

- Strong quantitative and analytical skills in statistical analysis and data science best practices

- Strong communication and partnering skills

**Salary Range: **

$64,491.00 - $105,949.50

Individual base pay may vary on additional factors such as the candidate’s experience, job-related skills, relevant education, geographic location, and other specific business and organizational needs.

In addition to base salary, WSFS Financial Corporation (WSFS) and its subsidiaries may offer eligible Associates discretionary and formula-based incentive and retention awards. WSFS provides a competitive benefits package, which includes medical, dental, and vision coverage; a 401(k) plan; life, accident, and disability insurance; flexible spending accounts (FSAs) and health savings accounts (HSAs); and wellness programs. Additional benefits may include paid parental leave, military leave, vacation and other paid time off, sick leave in accordance with applicable state laws, and paid holidays. Benefit offerings are subject to eligibility requirements, legal limitations, and may vary based on an Associate’s location and employment status. For more information about Associate benefits, please visit https://www.wsfsbank.com/about/careers/

WSFS Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the WSFS Bank Careers website or submission process, please contact us via email at careers@wsfsbank.com.

WSFS is an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

Quantitative Risk Analyst

Ascot Group is a global specialty insurance and reinsurance group with a record of underwriting excellence and superior claims service. Founded in 2001, Ascot provides a broad range of property and casualty products to customers worldwide through its Lloyd’s and Bermuda market platforms. In the United States, Ascot provides specialized insurance products to small and mid-sized businesses as well as offering underwriting services to high-quality carrier and syndicate partners.

Industry: Insurance
Company Size: 1,001-5,000 employees

Ascot Group

**JOB DESCRIPTION**

This is an opportunity to join Ascot Group – one of the world’s preeminent specialty risk underwriting organizations.

Designed as a modern-era company operating through an ecosystem of interconnected global operating platforms, the employees of Ascot are bound by a common mission and purpose: One Ascot. Ascot’s greatest strength is a talented team of professionals who flourish in a collaborative, inclusive, and entrepreneurial culture, steeped in underwriting excellence, integrity, and a passion to find a better way, The Ascot Way.

The Ascot Way guides people and strategic direction. Underwriting platforms collaborate to find creative ways to deploy capital in a true cross-product and cross-platform approach. These platforms work as one through a unique Fusion Model: Client-Centric, Risk-Centric, Technology-Centric.

Built to be resilient, Ascot maximizes client financial security while delivering bespoke products and world class service — both pre- and post-claim. Ascot exists to solve for its clients’ brightest tomorrow, through agility, collaboration, resilience, and discipline.

**Position Overview:**

Reporting to the Head of U.S. Credit Exposure, the **Credit Risk Analyst **will partner closely with partnering with Reinsurance, Alternative Risk Solutions, Shared Risk Casualty, Workers Compensation, Surety, and Trade Credit teams by conducting thorough financial, credit, and country risk assessments of counterparties and sectors. This role is focused on providing high-quality, data-driven analysis to enable informed underwriting decisions and effective portfolio management. The Credit Risk Analyst will contribute to the department’s risk selection, exposure monitoring, and policy development, ensuring alignment with the company’s risk appetite and strategic objectives.

**Position Overview:**

Reporting to the Head of U.S. Credit Exposure, the **Credit Risk Analyst **will partner closely with Reinsurance, Alternative Risk Solutions, Shared Risk Casualty, Workers Compensation, Surety, and Trade Credit teams by conducting thorough financial, credit, and country risk assessments of counterparties and sectors. This role is focused on providing high-quality, data-driven analysis to enable informed underwriting decisions and effective portfolio management. The Credit Risk Analyst will contribute to the department’s risk selection, exposure monitoring, and policy development, ensuring alignment with the company’s risk appetite and strategic objectives.

**Responsibilities:**

-  Credit & Financial Analysis

-  Perform detailed financial statement analysis of corporate entities across various sectors & reinsurers

-  Develop credit profiles and internal ratings to support underwriting teams including scoring, collateral requirements, proactive monitoring, exposure limit views, etc.

-  Maintain financial models and provide forward-looking assessments of credit risk

-  Monitor geopolitical and macroeconomic developments affecting Reinsurance, Alternative Risk Solutions, Loss Sensitive business, Surety, and Trade Credit teams

-  Provide objective credit risk analysis to underwriters for new submissions and renewals

-  Draft concise credit memos summarizing key risks and recommendations for internal review

-  Portfolio Monitoring & Reporting

-  Track counterparty risks including sector, rating, collateral, and exposures across the portfolio

-  Monitor and escalate adverse credit developments that may impact relevant exposures

-  Assist in portfolio stress testing, scenario analysis, and concentration management

-  Internal Collaboration

-  Work closely with underwriters, reinsurance, finance, actuaries, claims, and other internal teams to support disciplined risk evaluation

-  Contribute to refining risk assessment methodologies, models, and underwriting tools

-  Prepare internal reports and presentations for risk committees and senior management

-  Commitment to The Ascot Way : Demonstrate The Ascot Way in their daily interaction with colleagues, fostering colleague engagement and development, collaboration, inclusivity, and individual accountability.

**Requirements:**

-  4+ years of experience in credit analysis at a bank, ratings agency, insurance company, or asset manager

-  Strong financial statement analysis and credit modeling skills across multiple sectors

-  Knowledge of political and country risk factors impacting international trade, investments, and corporate earnings

-  High attention to detail and strong problem-solving ability

-  Proficiency in Excel, financial modeling, and credit research databases (e.g., Capital IQ, Moody’s, DNB, AM Best, etc.)

-  Strong written and verbal communication skills for internal reporting and presentations

-  Highly collaborative and able to work and effectively communicate with all levels of an organization

-  Ability to prioritize tasks and meet deadlines in a dynamic environment

***This position may be filled at a different level, depending on experience***

**Compensation**

Actual base pay could vary and may be above or below the listed range based on factors including but not limited to experience, subject matter expertise, and skills. The base pay is just one component of Ascot’s total compensation package for employees. Other rewards may include annual cash bonus, and other forms of discretionary compensation awarded by the Company.

The annualized base pay range for this role is: $115,000 - $125,000.

**Company Benefits**

The Company provides a competitive benefits package that includes the following (eligibility requirements apply):

Health and Welfare Benefits: Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Life Insurance, AD&D, Work/Life Resources (including Employee Assistance Program), and more.

Leave Benefits: Paid holidays, annual Paid Time Off (includes paid state /local paid leave where required), Short-term Disability, Long-term Disability, Other leaves (e.g., Bereavement, FMLA, Adoption, Maternity, Military, Primary & Non-Primary Caregiver) Retirement Benefits: Contributory Savings Plan (401k).

~~Please be aware that Ascot Group’s job opportunities will be posted on our official careers page. All official communication comes from @ascotgroup.com email addresses, if you receive a job offer or recruitment communication from Ascot Group that you suspect might be fraudulent, do not hesitate to contact us directly to verify its legitimacy. We will never ask for payment or sensitive personal information during any stage of the recruitment process. Your privacy and trust are of utmost importance to us, and we strive to ensure that you have a positive experience with Ascot Group. ~~

Credit Risk Analyst

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