About the Role
The role involves evaluating credit risk for lending activities by analyzing financial data, building models, and supporting risk-informed decisions. The individual will work closely with underwriting, data, and product teams to ensure responsible lending practices and scalable risk processes.
Responsibilities
- Analyze financial statements and credit data to determine borrower risk
- Develop and maintain models for credit decisioning
- Monitor portfolio performance and identify emerging trends
- Collaborate with underwriting teams to refine lending criteria
- Prepare reports for senior management on credit exposure
- Assess the accuracy and completeness of credit applications
- Support the implementation of automated credit scoring systems
- Evaluate macroeconomic factors impacting credit risk
- Conduct stress testing on lending portfolios
- Ensure compliance with internal risk policies and regulatory standards
- Work with data teams to improve credit data quality
- Identify opportunities to optimize credit approval workflows
- Contribute to the design of new lending products
- Review historical default patterns to inform underwriting guidelines
- Present findings and recommendations to stakeholders
- Maintain documentation for credit models and processes
- Assist in audits and regulatory examinations
- Track key risk indicators and performance metrics
- Partner with collections teams to understand delinquency drivers
- Provide input on credit limits and risk segmentation
- Evaluate third-party data sources for credit decisioning
- Support ad hoc risk analysis requests
- Improve credit risk reporting dashboards
- Stay current with industry best practices in credit analysis
- Help scale risk systems as lending volume grows
Compensation
Competitive salary and benefits package
Work Arrangement
Hybrid
Team
Part of the risk management function focused on lending and financial decisioning
What We Value
- Curiosity and a drive to understand the 'why' behind data
- Integrity in handling sensitive financial information
- Collaboration across teams to solve complex problems
- Ownership of projects from start to delivery
- Continuous learning and professional growth
How We Work
- We operate in agile teams with regular feedback loops
- Decisions are driven by data and customer impact
- We value clear, concise communication
- Remote collaboration is supported with modern tools
- Work-life balance is prioritized
Available for qualified candidates
