Senior Credit Analyst

Benefits: Medical, Dental, Vision, Paid Time Off, Matching 401k.
About The Role:

• As a Senior Credit Analyst, you will be responsible for monitoring and optimizing our credit portfolio. This role sits within the Data team and works directly with Engineering and Product. You will also be responsible for creating credit policies for new initiatives and products, creating risk management strategies, and conducting ongoing testing and experimentation. This role requires the use of data analytics to derive insights and develop credit strategies. Cross-functional collaboration is also needed. Working with the Analytics and Engineering teams to create underwriting models and risk management capabilities, with the Product teams to develop new products, with the Merchant Pricing team to evaluate merchants, and with the Finance team to facilitate discussions with debt and equity investors are parts of the role.
• We are looking for someone with a strong data sense and clarity of thought. You should be a great communicator and have the ability to drive impact based on your analyses.

Responsibilities:

• Partner with Data and Engineering on building risk analytics capabilities.
• Use advanced data analytics and critical thinking to derive insights and optimize credit strategies.
• Own risk initiatives within new product formation and new market exploration.
• Monitor portfolio as well as macroeconomic trends impacting loan performance. Drive adjustments to our underwriting and marketing strategies to mitigate risk.

Must Have:

• 3+ years of data analyst experience; consumer credit risk experience strongly preferred.
• Advanced with SQL and Python.
• Deep understanding of statistics & Data Science.
• Demonstrated ability to drive impact through analysis.
• Looking for more direct experience with consumer fintech, bank, or Client.