Credit Risk Senior Analyst

Overview

This role involves leading underwriting strategy to launch successful credit programs, driving innovation to establish best-in-class credit strategies and underwriting models. The position requires close collaboration with internal teams such as Banking, Product, Finance, and Data, as well as building strong relationships with external bank partners and customers.

This position is remote within the United States but must be located in one of the organization's designated national locations.

Responsibilities

• Evaluate and refine credit policies and models for consumer and SMB credit cards to minimize losses and improve profitability.
• Develop and implement tailored, data-driven strategies for managing consumer and SMB credit card portfolios.
• Conduct risk segmentation, behavioral analysis, loss forecasting, line management, and other empirical analyses to support and refine underwriting credit models.
• Build dashboards and present regular reports on key performance indicators (KPIs) and key risk indicators (KRIs) related to consumer and SMB credit cards to senior management.
• Stay current with regulations and compliance requirements affecting consumer and SMB credit card products.

Requirements

• Bachelor’s degree in Mathematics, Statistics, Economics, Finance, or a related quantitative field.
• Minimum of 3 years of professional experience in credit risk analysis within a financial institution.
• Advanced proficiency in SQL and experience with statistical modeling, including machine learning techniques.
• Proven ability to solve complex problems and develop innovative solutions.
• Exceptional attention to detail and ability to work independently on complex projects.
• Strong communication skills with experience presenting complex data to senior leadership.
• Self-motivated with curiosity to investigate problems with minimal guidance.

Preferred Qualifications

• Master’s degree in a related field.
• Proficiency in Python and R for data analysis and modeling.
• Direct experience managing consumer and SMB credit card portfolios.
• Experience with automated decision engines.
• In-depth knowledge of regulatory standards specific to the credit card industry.

Compensation and Benefits

Compensation is calibrated based on work location within the United States, divided into three tiers:

• National: $99,000 - $123,800
• Premium (higher cost-of-living areas such as Los Angeles, Seattle): $107,200 - $134,000
• Premium Plus (highest cost-of-living areas such as San Francisco Bay Area, New York City): $116,600 - $145,700

Additional benefits include:

• Annual bonuses based on individual and company performance.
• Multiple health insurance options.
• Flexible time off.
• Retirement savings program with company contributions.
• Equity in a publicly traded company and an Employee Stock Purchase Program.
• Family-forming benefits, fertility support, and up to 20 weeks of parental leave.
• Free therapy sessions, financial and professional coaching, and legal advice.
• Monthly stipend to support remote work.
• Annual development funds to support professional growth.
• Flexibility to live and work where you and your family thrive.

Location

Remote within the United States, restricted to designated national locations as defined by the organization.