Credit Risk Analyst

About the Role

This role sits at the center of a fintech lending business focused on expanding responsible access to credit. As a Credit Risk Analyst, you will help shape and improve the credit strategies that drive approval decisions, risk controls, pricing, and offer terms. Your work will involve analyzing approval performance, losses, and portfolio behavior across segments and vintages, then translating that analysis into practical recommendations that support both growth and disciplined risk management.

You will also help monitor model and scorecard performance, contribute to scenario and tradeoff analysis, and generate insights that influence credit policy. The position offers the opportunity to deepen your expertise in consumer lending risk while supporting financing solutions that help customers cover auto repairs and other essential expenses.

Key Responsibilities

• Evaluate credit policy performance by reviewing approval rates, decision splits, and cutoff efficiency.
• Assist with analysis of credit strategy metrics and tiering approaches.
• Track automated decision rules and identify areas where performance can be improved.
• Support policy updates, limit changes, and refinements to offer structures with analytical input.
• Create recurring reporting on credit outcomes across segments, risk tiers, and vintages.
• Monitor origination quality, early payment defaults, and cohort-level delinquency trends.
• Review credit attribute patterns, score movement, and actual performance versus forecast.
• Maintain dashboards and scorecards used for internal decisions and investor or capital partner reporting.
• Model the relationship between approval rates, expected losses, and portfolio yield.
• Perform segment-level profitability analysis to guide risk appetite decisions.
• Support scenario analysis and simulation work for proposed policy revisions.
• Analyze swap-in and swap-out populations to test possible adjustments to decisioning rules.
• Assess pricing performance across risk tiers, products, and acquisition channels.
• Help evaluate term structures, APR approaches, and fee configurations.
• Provide data-driven insight into how pricing choices affect portfolio economics and market competitiveness.
• Monitor model and scorecard performance, including rank ordering, KS statistics, and Gini coefficients.
• Support validation work by preparing performance data and back-testing analysis.
• Review model inputs and feature importance to inform future model enhancements.
• Work with collections, servicing, and fraud teams to align metric definitions and portfolio health views.
• Partner with finance on loss forecasting, CECL inputs, and reserve adequacy analysis.
• Support investor and board reporting with clear loan-level data and portfolio analytics.
• Coordinate with technology teams on data access, decisioning platform improvements, and reporting tools.

What We’re Looking For

• A bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, or a similar quantitative discipline.
• 3 to 5 years of experience in credit risk analytics, underwriting analytics, or portfolio analytics, ideally within consumer lending.
• Professional experience using SQL and Python or R in an analytics setting.
• Hands-on exposure to credit policy analysis, approval monitoring, vintage analysis, or loss forecasting.
• Familiarity with decisioning platforms, credit bureaus, or underwriting systems.
• Strong grasp of consumer lending products, credit risk measures, and underwriting processes.
• Experience with credit scorecards, model performance tracking, or support for model validation.
• Background in A/B testing or other controlled experiment design and evaluation.

Why This Role Stands Out

You’ll join a growing organization that aims to deliver transparent, respectful, and responsible financing to people when they need it most. The team values collaboration, balance, and a shared commitment to high standards. This is a chance to make a direct impact in a close-knit environment with meaningful growth potential.

Benefits

• Flexible paid time off
• 12 paid holidays each year
• Medical, dental, and vision coverage with up to 80% of premiums paid by the employer
• Long-term disability insurance
• Basic life insurance
• Paid parental leave
• 401(k) matching contribution
• 100% remote work

Work Location

This is a fully remote position based in the United States.

Compensation

The annual base salary for this role is expected to be between $72,000 and $90,000. Final pay may vary based on work location, experience, education, skills, and job-related knowledge. The compensation listed reflects base salary only and does not include bonuses or benefits.