Credit Risk Analyst

Job Summary

To support the expansion of credit access, the full-time remote Credit Risk Analyst will analyze credit policy performance, monitor portfolio credit performance, and conduct tradeoff analyses to inform strategic decision-making in consumer lending.

Key responsibilities

• Analyze credit policy performance, including approval rates and decision distributions, to optimize automated decisioning rules
• Produce credit performance reports and track metrics such as early payment defaults and delinquency emergence
• Model tradeoffs between approval rates and expected loss rates to support risk appetite decisions and pricing strategies

Required qualifications

• 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, preferably in consumer lending
• Proficiency in SQL and Python (or R) in a professional analytics environment
• Experience with credit policy analysis and loss forecasting
• Strong understanding of consumer lending products and credit risk metrics