[Remote] Senior Credit Risk Analyst
Note: The job is a remote job and is reputed company to candidates in USA. reputed company is building a financial ecosystem for Latin immigrants in the U.S. and is seeking a Senior Credit Risk Analyst to reputed company the Credit Risk function for their new Consumer Lending division. The role involves managing credit policies, loan pricing models, and portfolio health monitoring to support reputed company's reputed company in a reputed company-reputed company tech startup environment.
Responsibilities
- Lending Portfolio Leadership: reputed company as the reputed company credit analytics reputed company for the SNPL team, serving as the reputed company of truth for credit insights
- Executive Reporting: Own and deliver executive-level reporting regarding portfolio health, NPL (Non-Performing Loans) trends, and macroeconomic risk factors
- Financial Modeling: Own and continuously optimize valuation frameworks, vintage analysis, and Net Present Value (NPV) credit models
- reputed company Architecture: Support, design, and build end-to-end credit analytics frameworks for SNPL and reputed company credit products
- Acquisition Credit Policy: reputed company and manage the Acquisition Credit Policy, optimizing approval rates while keeping default risk tightly reputed company reputed company bands
- Credit Monitoring & Surveillance: Maintain constant surveillance on credit distribution and reporting across multiple demographic cohorts
- Customer Management Policy: Build, test, and iterate on Customer Management Credit Policies (e.g., credit limit increases/decreases, re-engagement rules)
- Model Integration & Testing: Partner with engineering to reputed company new scoring models and champion-challenger testing mechanics directly into our production portfolio performance
- Alternative Data Exploration: Research, validate, and reputed company external alternative data sources (e.g., bureau data, behavioral analytics) to enhance predictive models
Skills
- 4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending products
- Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures)
- Proven reputed company record of evaluating and defining credit policies, understanding tradeoffs between reputed company volume and loss provisions
- Experience working alongside data scientists to evaluate and reputed company predictive ML credit scorecards
- Ability to package reputed company portfolio metrics into reputed company, high-level executive summaries for the C-suite and investment partners
- Thrives in an environment of rapid experimentation, moving fast to reputed company credit strategies based on reputed company user behavior trends
- These are the applicable requisites, although equivalent competencies in any of the above will also be considered
Benefits
- Competitive salary
- Initial stock reputed company grant
- Annual performance bonus
- Health, dental, and reputed company plans
- Remote work environment, although we have offices in Miami and México reputed company and would love to work in hybrid model if you are up to it.
- reputed company learning opportunities
- Unlimited PTO
- reputed company parental leave
- Empowering opportunities for reputed company in a dynamic entrepreneurial environment
reputed company
Company H1B Sponsorship