Regional Finance (Regional Management Corp.)

General Counsel

• Report to the Company’s VP, Associate Counsel & Assistant Secretary
• Provide legal guidance throughout the entire lifecycle of financial products
• Ensure compliance with financial regulations and manage risk
• Collaborate with product, engineering, and marketing teams
• Represent Legal on cross-functional teams
• Review customer-facing materials for compliance
• Advise on regulatory matters and manage outside legal counsel
• Prepare legal documents including loan contracts and related documentation

Product and Regulatory Counsel

Product Manager

• Own the product roadmap and full Profit & Loss for assigned lending products (e.g., auto secured loans, unsecured personal loans)
• Develop pricing strategies, cost structures, and margin optimization plans to achieve revenue and profitability targets
• Monitor and manage financial performance, including approval rates, loss ratios, contribution margins, and return on capital
• Deeply understand borrower pain points, financial behaviors, and channel preferences
• Act as the voice of the customer internally
• Partner with Data Science, Credit Risk, and Underwriting to design risk-based pricing, credit policy tiers, limit strategies, and alternative data models that expand access while improving risk-adjusted returns
• Evaluate product investments using ROI, RAROC, and payback period metrics; prepare business cases for new initiatives
• Lead squads across engineering, design, compliance, legal, marketing, and operations to deliver features on time and within budget
• Ensure every product and feature complies with federal and state regulations (TILA, Reg Z, ECOA, FCRA, UDAAP, etc.)
• Design and launch A/B tests and champion/challenger experiments to optimize conversion, repayment behavior, and lifetime value
• Monitor post-launch cohort performance (approval rate, delinquency, charge-off, prepayment, profitability) and iterate rapidly
• Identify new product opportunities: asset classes, partnership channels (dealers, BNPL, employers, third party referrals), embedded finance, etc.
• Collaborate with Marketing and Distribution on go-to-market strategies and sales funnel optimization

Senior Product Manager

Data Scientist

• Design, develop, implement, monitor, and maintain valuations related machine learning models
• Manage data analysis and modeling projects leveraging appropriate statistical, mathematical or machine learning tools to support business strategies and outcomes
• Manage analytic solutions (data, tools reports, models) that advance and accelerate business partner agenda
• Generate and synthesize customer and market insights from a wide variety of data systems
• Prepare reports of analysis results for business partners and other non-technical audiences
• Develop needed databases, data structures, compute patterns and operational processes to extract maximum value from existing and new data assets
• Write "production worthy" code and perform code review and necessary testing to ensure that data products meet the highest quality and production standards
• Identify opportunities to apply statistical methods to improve business performance, advance new strategies or to solve existing challenges
• Work cross-functionally with peers in Technology, product, and business analysts to identify new attributes and applications
• Create business intelligence, dashboards, and/or other advanced analytics metrics and reports to adequately communicate the business narrative and offer recommendations that are actionable and have material impact
• Provide mentorship and guidance to junior level team members, modeling effective working relationships and solution-building that demonstrates product value.

Senior Data Scientist

Auditor

• Plan and conduct remote and on-site audits of branch locations, including reviews of loan documents, cash handling, physical security controls, and operational practices.
• Perform risk-based testing and transaction sampling to assess compliance with internal policies and federal and state consumer finance regulations.
• Analyze operational and financial data to identify control deficiencies, compliance gaps, fraud indicators, or process inefficiencies.
• Conduct interviews with branch personnel to evaluate understanding of policies and adherence to established procedures and inquire about the branch control environment, risk culture, and any fraud concerns.
• Prepare clear, well‑documented audit workpapers and concise audit reports that include actionable recommendations and risk ratings.
• Communicate audit results effectively to branch management and internal stakeholders, and collaborate on practical remediation plans.
• Perform follow‑up reviews to validate the implementation and effectiveness of agreed‑upon corrective actions.
• Leverage approved AI-enabled tools for data analysis, drafting, and summarization in accordance with company and internal audit policies, maintaining responsibility for accuracy, confidentiality, and the professional judgement applied to all audit conclusions and work products.
• Stay current on regulatory developments, emerging risks, and industry best practices impacting consumer lending and branch operations.
• Assist with tracking audit issues, reporting metrics, and preparing materials for management and governance committees.
• Contribute to continuous improvement of audit methodologies, tools, and risk assessment approaches.
• Assist with fraud investigations as needed.
• Support Senior Manager, Field Audits on special projects, initiatives, and presentations as needed.

Product and Regulatory Counsel

Senior Product Manager

Senior Data Scientist

Senior Field Auditor