Analyst II, Credit Risk Analytics

Overview

A financial technology organization is seeking a Data Analyst to join their Credit team within the Risk & Analytics department. This team plays a critical role in shaping business strategy by designing experiments, analyzing performance, and building analytical frameworks to optimize resource allocation and drive sustainable growth. The Credit team collaborates cross-functionally with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to manage the risk profile responsibly.

Responsibilities

• Utilize advanced data analytics to generate insights and optimize credit strategies
• Conduct portfolio analytics including investigations of out-of-trend behavior and attribution analysis
• Collaborate with Machine Learning and Engineering teams to develop monitoring tools and credit risk capabilities
• Monitor portfolio performance alongside macroeconomic trends affecting loan outcomes
• Recommend and implement adjustments to underwriting and marketing strategies to mitigate risk
• Enhance the end-to-end portfolio management and monitoring framework

Requirements

• 3-5 years of experience as a data analyst; experience in consumer credit risk management is strongly preferred but not required
• Proficiency in SQL and Python
• Strong curiosity and willingness to learn about data, models, and algorithms
• Ability to collaborate effectively and influence cross-functional teams
• Excellent communication skills to present findings and recommendations to both technical and non-technical audiences
• Passion for deriving insights from data and driving business impact

Compensation & Benefits

• Base salary range for U.S. employees:
  • $140,000 to $190,000 per year for CA, WA, NY, NJ, CT
  • $124,000 to $174,000 per year for all other U.S. states
• Equity awards
• Monthly stipends for health, wellness, and technology expenses
• Comprehensive benefits including 100% subsidized medical, dental, and vision coverage for employees and dependents
• Flexible spending wallets for technology, food, lifestyle needs, and family-forming expenses
• Competitive vacation and holiday schedules
• Employee Stock Purchase Plan (ESPP) allowing purchase of company shares at a discount

Location

This is a remote-first role with flexibility to work from almost anywhere within the country of employment. Some roles may require occasional presence at a local office depending on job responsibilities.

Additional Information

The organization is committed to providing an inclusive interview experience and offers reasonable accommodations for candidates with disabilities. Qualified applicants with arrest and conviction records will be considered in accordance with applicable fair chance hiring ordinances.