Overview
This role involves leading a key pillar within Credit Analytics, focusing on credit forecasting & valuation or risk capital analytics. The position drives high-impact analytics that inform portfolio strategy, financial planning, and funding decisions. It requires close collaboration with Machine Learning, Finance, Product, and Capital teams to translate complex credit dynamics into actionable insights and scalable systems.
Responsibilities
- Own a core analytics domain within Credit Analytics, driving execution and continuous improvement of frameworks for portfolio monitoring, planning, and decision-making
- Develop and enhance credit forecasting and valuation methodologies, including loss forecasting, scenario analysis, and portfolio performance measurement
- Contribute to risk capital analytics and reporting to support funding strategies such as securitizations, warehouse facilities, and forward-flow programs
- Deliver clear insights and recommendations that guide product strategy, credit policy, and funding decisions
- Partner cross-functionally with ML, Finance, Product, Engineering, and Capital teams to align on definitions, metrics, and frameworks
- Build and scale analytics infrastructure including data models, pipelines, dashboards, and reporting tools
- Establish best practices for validation, monitoring, and governance of credit models and analytics outputs
Minimum Qualifications
- 7+ years of experience in analytics, credit risk, or quantitative finance within fintech, financial services, or related industries
- Experience building or applying credit risk, loss forecasting, portfolio analytics, or valuation frameworks in consumer lending or similar domains
- Exposure to risk capital or structured finance concepts such as securitizations, warehouse facilities, forward flow, or investor reporting
- Strong analytical and technical skills, including proficiency in SQL and at least one programming language (Python or R)
- Experience working with large datasets
- Ability to translate complex analyses into clear, actionable insights for both technical and non-technical stakeholders
Preferred Qualifications
- Experience partnering with ML or data science teams, particularly in underwriting or model performance monitoring
- Familiarity with capital analytics, deal economics, and risk/return frameworks
- Experience building or improving analytics infrastructure such as data models, dashboards, automated reporting, or GenAI solutions
- Exposure to model governance, controls, or audit processes (e.g., SOX, model validation, valuation reviews)
- Demonstrated ability to influence cross-functional stakeholders and drive alignment across teams
Compensation & Benefits
- Anticipated base salary range (United States, Remote): $182,300 - $252,500 USD
- Anticipated base salary range (Canada, Remote): $165,800 - $210,000 CAD
- Compensation varies by geographic location, skills, experience, and education
- Target bonuses and equity compensation
- Comprehensive benefits including medical, dental, vision, and 401(k) or Group Retirement Savings Plan with company match ($2 for every $1 contributed, up to $15,000 annually)
- Employee Stock Purchase Plan (US only)
- Health Savings Account contributions (US only)
- Income protection benefits including life insurance and disability coverage
- Paid time off, sick leave, company holidays, and paid family/parental leave
- Family-centered benefits supporting fertility, parenthood, and caregiving
- Employee Assistance Program offering mental health support
- Financial wellness resources and concierge service (US only)
- Annual wellness and productivity allowances
- Team events, employee resource groups, and onsite perks at offices in Bay Area, Austin, Columbus, and New York City (opening Summer 2026)
Location
- Remote position available in the United States and Canada (excluding Quebec)
- Team operates on West Coast time zones
- Majority of work can be done remotely with occasional in-person collaboration sessions once or twice per quarter
Additional Information
- The employer is an Equal Opportunity Employer committed to inclusive and fair hiring practices
- Reasonable accommodations are available upon request during the application and selection process