Credit Risk Analyst

New

Based in the United StatesFull-TimeMiddle

Salary72,000 - 90,000 USD per year

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Job Details

Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, or a related quantitative field.
3–5+ years of experience in credit risk analytics, underwriting analytics, or portfolio analytics (consumer lending strongly preferred).
Strong proficiency in SQL and Python (or R) within a professional analytics environment.
Experience with credit policy analysis, vintage analysis, approval rate monitoring, and/or loss forecasting.
Familiarity with credit scorecards, model performance monitoring, and underwriting decisioning systems.
Strong understanding of consumer lending products and key credit risk metrics.
Experience supporting A/B testing, experiments, or scenario-based analysis is highly desirable.
Excellent analytical thinking with the ability to translate data insights into actionable business recommendations.

Analyze credit policy performance, including approval rates, decisioning distributions, cutoff effectiveness, and tiering strategies.
Monitor portfolio credit performance across segments, vintages, and cohorts, tracking delinquency, default trends, and origination quality.
Conduct approval rate vs. loss tradeoff analysis to inform risk appetite, profitability, and underwriting strategy decisions.
Support pricing and terms optimization by evaluating APR structures, fees, and product-level risk-adjusted returns.
Monitor credit models and scorecards, including performance metrics such as Gini, KS, and rank-ordering stability.
Assist in model validation, back-testing, and feature analysis to support ongoing model enhancements.
Partner cross-functionally with finance, collections, fraud, and technology teams to ensure aligned metrics and data-driven decision-making.

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