Analyst II, Full Stack (Credit Analytics)
New
A
AffirmFintech / Credit
Remote USFull-TimeMiddle
Salary128,000 - 205,000 USD per year
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Job Details
- Experience
- 2+ years
- Required Skills
- PythonSQLData MiningMachine LearningData visualization
Requirements
- Degree in Data Science, Computer Science, Engineering, Economics, or a related field
- 2+ years of experience (or equivalent senior-level experience)
- SQL, Python, or other scripting languages
- Data mining, data visualisation, and statistical modeling
- Applying machine learning techniques to credit risk management
- Leveraging advanced analytics to develop and optimise credit strategies
- Monitoring and interpreting model performance metrics across portfolios
- Experience leading cross-functional initiatives bridging Product, Legal, Compliance, and Engineering
- Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics
- Ability to translate complex regulatory and economic insights into actionable strategies
- Exceptional communication skills and ability to influence senior stakeholders
Responsibilities
- Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies.
- Partner with Engineering to design and build scalable risk models and credit risk capabilities.
- Monitor portfolio performance and macroeconomic trends that impact loan outcomes.
- Proactively adjust underwriting and marketing strategies to mitigate risk.
- Collaborate with Product, Legal, and Compliance to translate regulatory requirements into credit policy.
- Engage external stakeholders, including merchants, vendors, and regulatory bodies.
- Oversee the development and execution of credit underwriting frameworks.
- Drive cross-functional discussions to ensure new product launches align with risk appetite.
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