What You'll Do
Analyze the performance of our credit portfolio across lending products, detecting trends and uncovering opportunities to strengthen outcomes. Develop and refine credit strategies that align growth objectives with responsible risk management and a seamless customer journey.
Conduct in-depth studies into borrower behavior, underwriting effectiveness, and portfolio dynamics to guide strategic direction. Work hand-in-hand with Data Science to shape predictive models and risk logic that power decisioning systems. Partner with Product and Engineering teams to operationalize credit policies into scalable platform features and automated workflows.
Present clear, actionable insights to executive leaders, internal governance groups, and external partners. Build and maintain dashboards, reporting tools, and analytical frameworks that improve transparency into key risk indicators. Provide expert input on underwriting standards, portfolio health, and strategic expansion into new credit offerings.
Requirements
- 8–12+ years of experience in credit risk, lending analytics, or credit strategy within fintech, consumer lending, or financial services
- Proven skill in credit portfolio analysis, underwriting design, and risk framework development
- Advanced proficiency with SQL and Python for analyzing large-scale datasets
- Direct experience collaborating with data science teams on machine learning models or risk scoring systems
- Ability to distill complex analyses into strategic recommendations for senior stakeholders
- Strong collaboration skills with experience influencing cross-functional partners without direct authority
- Bachelor’s degree in a quantitative field such as mathematics, statistics, economics, engineering, or finance
Preferred Qualifications
- Advanced degree (Master’s or PhD) in a relevant discipline
Technical Environment
This role leverages SQL and Python for data analysis, modeling support, and performance monitoring across the credit lifecycle.
