Overview
This role supports the first-line risk and control infrastructure for the organization’s Unsecured Lending function, helping ensure unsecured lending products operate with clear governance, durable controls, high-quality execution, and readiness for bank partner and regulatory review.
You will work within Asset Quality & Model Oversight, which monitors portfolio-wide trends across loan salability, asset quality, and model performance. Responsibilities include tracking results against investor and bank partner thresholds, interpreting model execution patterns across secured lending channels, and escalating systemic findings before they become repurchase events, partner concerns, or examination issues.
Responsibilities
- Execute loan-level quality reviews across unsecured lending originations, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria.
- Pull, organize, and analyze portfolio performance data, including early payment defaults, delinquency trends, prepayment rates, loss severity, exception patterns, and other asset quality indicators.
- Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leaders, including data pulls, analysis, formatting, and quality checks.
- Execute first-line model performance tracking by maintaining production model tracking tools, logging override and exception trends, tracking version changes, and independently flagging patterns that may indicate performance degradation or out-of-bounds behavior for escalation.
- Maintain issue logs, defect trackers, remediation updates, and documentation libraries so records stay current, organized, and ready for bank partner or regulatory review.
- Drive governance and exam readiness deliverables by independently assembling evidence packages, populating reporting templates, and coordinating materials for bank partner reviews, committee deliverables, and regulatory examinations.
Requirements
- 3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, credit analysis, or a related analytical function.
- Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs.
- Experience analyzing portfolio performance, asset quality indicators, credit policy exceptions, loan defects, remediation items, or operational risk trends.
- Experience using Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems to organize, analyze, and quality-check structured data.
- Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank partner, or regulatory stakeholders.
Preferred Qualifications
- Experience with loan file review, quality control, pre-sale quality control, investor delivery, or loan salability review in unsecured lending products.
- Knowledge of secured lending and secondary-market quality expectations, including investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, or repurchase risk.
- Experience tracking and interpreting asset quality or portfolio performance indicators such as early payment default, delinquency, prepayment, loss severity, non-performing loan trends, or credit policy exception rates.
- Knowledge of model monitoring concepts, model performance reporting, validation outputs, override and exception tracking, or model governance documentation in a lending or fintech environment.
- Skilled in producing clear review summaries, governance materials, issue logs, reporting packages, and documentation that can support bank partner or regulatory review.
Compensation & Benefits
United States | Remote
- Anticipated base salary range: $115,800 - $160,100 USD
Canada | Remote
- Anticipated base salary range: $96,100 - $118,700 CAD
Base pay is part of a total compensation package. Actual base pay depends on geographic location (with compensation regions that vary by location), and also on job-related skills, experience, and relevant education or training.
In addition to base pay, the employer provides target bonuses, equity compensation, and benefits including:
- Medical, dental, vision
- 401(k)
- Retirement benefits with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Health Savings Account contributions from the employer for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays (in line with local requirements)
- Paid family and parental leave (duration varies by country)
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US only)
- Annual wellness allowance
- Annual productivity allowance
- Connection and community through team events, updates, and employee resource groups (ERGs)
Location
- United States | Remote
- Canada | Remote
For roles based in Canada, please note that the employer is not currently able to hire in Quebec.