Senior Analyst, Credit Risk
US-based employeesFull-TimeSenior
Salary116000 - 120000 USD per year
Apply NowOpens the employer's application page
Job Details
- Experience
- 2–5+ years
- Required Skills
- PythonSQLTableauMicrosoft ExcelRPySpark
Requirements
- 2-5+ years of experience in a credit risk or analytics role
- Expert SQL skills within a consumer credit business (e.g., credit cards, installment lending, BNPL, purchase finance, earned wage access)
- Bachelor's degree required
- Preference for quantitative fields such as engineering, mathematics, economics, finance, or related disciplines
- Advanced hands-on experience and knowledge with data tools such as SQL, Python, Excel, R, SAS, PySpark
- Experience on data visualization tools like Tableau is a plus
- Working knowledge of consumer credit underwriting and credit policy concepts
- Demonstrated experience partnering with non-technical stakeholders
- Influencing analytical direction
- Translating ambiguous questions into clear, data-driven answers
- Excellent written and verbal communication skills
- Ability to clearly explain insights, assumptions, and limitations to both technical and business audiences
- Practical experience using AI-enabled tools or workflows to support analysis, decision-making, or modeling
- Clear understanding of limitations and governance considerations regarding AI
Responsibilities
- Own end-to-end credit insights that inform underwriting, pricing, and product strategy
- Translate data into decisions that drive growth and portfolio health
- Assess, price, and scale consumer credit, particularly across Cash Flow Intelligence initiatives and emerging products
- Partner closely with Product, Engineering, Treasury, and Finance to translate data into action
- Balance customer-first outcomes with disciplined risk management
- Inform product launches, credit policy decisions, and monetization strategy
- Communicate complex analytical work with clarity
- Present insights, recommendations, and trade-offs to senior stakeholders across Product, Finance, and Credit
- Develop and iterate on credit underwriting strategies using traditional and alternative data sources
- Build and maintain unit economics and valuation models to inform pricing, underwriting, targeting, and capital allocation decisions
- Own credit policy development and implementation
- Design, execute, and interpret live tests across product features, pricing, and customer acquisition strategies
- Partner with Treasury, FP&A, Marketing, Engineering, and external stakeholders
- Advance portfolio monitoring and loss forecasting capabilities
- Apply AI-assisted analytics and modeling techniques to accelerate insight generation
- Identify opportunities to automate or scale credit decisioning processes
- Independently prioritize workstreams across competing initiatives
View Full Description & ApplyYou'll be redirected to the employer's site
