Senior Credit Strategy Analyst
United StatesFull-TimeSenior
Salary124000 - 155000 USD per year
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Job Details
- Experience
- 3+ years of experience in credit risk, consumer lending, banking, or financial services risk management. 1+ years of experience implementing credit strategies within decisioning platforms.
- Required Skills
- PythonSQLTableauLooker
Requirements
- 3+ years of experience in credit risk, consumer lending, banking, or financial services risk management.
- 1+ years of experience implementing credit strategies within decisioning platforms (e.g., Alloy or similar systems).
- Strong proficiency in SQL for data analysis, strategy development, and performance evaluation.
- Strong proficiency in Python for data analysis, strategy development, and performance evaluation.
- Experience working with credit bureau data (Experian, TransUnion, Equifax) and/or alternative data sources.
- Solid understanding of consumer lending regulations, compliance standards, and risk governance frameworks.
- Ability to translate complex data insights into clear, actionable credit and fraud strategy recommendations.
- Experience working in cross-functional environments and managing multiple initiatives with limited oversight.
- Strong analytical thinking, attention to detail.
- Familiarity with BI tools such as Looker or Tableau (preferred).
Responsibilities
- Own the end-to-end implementation of credit and fraud policies across multiple product lines within decisioning platforms, including testing, deployment, and validation.
- Design, develop, and optimize credit underwriting and fraud prevention strategies that balance growth, risk exposure, and customer experience.
- Analyze portfolio performance, approval funnels, and fraud patterns to identify opportunities for improvement and loss mitigation.
- Build, test, and refine decision rules, segmentation strategies, and policy adjustments using structured experimentation frameworks.
- Develop dashboards and reporting tools to monitor key credit and fraud KPIs, including approval rates, losses, and fraud indicators.
- Partner with cross-functional teams to ensure strategy alignment, proper implementation, and ongoing monitoring of performance.
- Support governance activities through documentation, controls, and periodic performance reviews of credit strategies and models.
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