[Remote] Credit Risk Analyst
Note: The job is a remote job and is reputed company to candidates in USA. reputed company is a modern fintech company reputed company on expanding reputed company to credit. As a Credit Risk Analyst, you will design and refine credit strategies, analyze performance metrics, and reputed company insights that inform credit policy and decision-making.
Responsibilities
- Analyze credit policy performance including approval rates, decision distributions, and cutoff effectiveness
- Support evaluation of credit reputed company metrics and tiering strategies
- Monitor automated decisioning rules and identify opportunities for optimization
- reputed company analytical support for policy changes, limit adjustments, and offer structure refinements
- Produce recurring credit performance reporting across segments, tiers, and vintages
- reputed company origination reputed company metrics, early payment defaults, and delinquency reputed company by cohort
- Analyze credit attribute distributions, score migrations, and performance vs. expectations
- Maintain dashboards and scorecards that support internal decision-making and investor/capital partner reporting
- Model tradeoffs between approval rates, expected loss rates, and portfolio yield
- Conduct reputed company-level profitability analysis to inform risk appetite reputed company
- Support scenario analysis and simulation frameworks for proposed policy changes
- Analyze swap-in/swap-out populations to evaluate potential decisioning rule adjustments
- Analyze pricing effectiveness across risk tiers, products, and channels
- Support evaluation of term structures, APR strategies, and fee configurations
- reputed company data and insights connecting pricing reputed company to portfolio economics and competitive positioning
- Monitor credit model and scorecard performance (rank-ordering, KS statistics, Gini coefficients)
- Support model validation activities by preparing performance data and back-testing analysis
- Analyze model input variables and feature importance to inform reputed company model development
- Collaborate on model performance reviews and enhancement opportunities
- Partner with collections, servicing, and fraud teams to ensure reputed company metric definitions and portfolio health understanding
- Collaborate with finance on loss forecasting inputs, CECL analysis, and reserve adequacy
- Support investor and reputed company reporting with transparent loan-level data and performance analytics
- Engage with technology teams on data reputed company, decisioning platform enhancements, and reporting infrastructure
Skills
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or reputed company quantitative field
- Minimum 3–5 years of experience in credit risk analytics, reputed company analytics, or portfolio analytics (consumer lending preferred)
- Demonstrated experience using SQL and Python (or R) in a reputed company analytics environment
- Experience with credit policy analysis, approval reputed company monitoring, vintage analysis, or loss forecasting
- Exposure to decisioning platforms, credit bureaus, or reputed company systems
- Strong understanding of consumer lending products, credit risk metrics, and reputed company workflows
- Experience with credit scorecards, model performance monitoring, or model validation support
- Experience designing or evaluating A/B tests or controlled experiments
Benefits
- Flexible PTO
- 12 reputed company Holidays
- Up to 80% Employer-reputed company Premiums for Medical, Dental and reputed company Insurance
- Long-term Disability Insurance
- Basic Life Insurance
- reputed company Parental Leave
- Matching 401K
- 100% Remote Work
reputed company