Risk Analyst

Overview

The organization is building an AI-native financial platform for business owners and is seeking an analytics professional with domain expertise in credit analytics. This role involves analyzing varied datasets to generate insights for credit underwriting, ongoing portfolio management, risk monitoring, and product strategy.

Responsibilities

New Account Evaluation

• Analyze new applicant data to support automated and manual credit decisioning
• Work with data extracted from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid, etc.)
• Use insights from adjacent product usage (e.g., business banking and payments platforms) to evaluate risk profiles
• Build dashboards or tools to surface real-time indicators for underwriting and fraud detection

Existing Account Management

• Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement
• Identify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B)
• Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies
• Develop behavioral segments and performance cohorts for proactive account management

Credit Product P&L Understanding

• Support P&L analysis for the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates
• Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns
• Assist in identifying drivers of loss and opportunities for margin improvement

Requirements

• 5+ years of experience in a data analytics or credit analytics role, preferably within fintech, credit cards, or SMB lending
• Fluency in SQL/SAS and comfort with Python or R for exploratory data analysis and automation
• Strong understanding of credit underwriting principles and SMB financial analysis
• Experience interpreting business financials (P&L, balance sheet, tax returns) and cash flow data from banking sources
• Familiarity with credit bureau data and commercial credit reports
• Ability to communicate findings clearly and influence cross-functional stakeholders

Compensation & Benefits

• Full-time role with benefits
• Final compensation is commensurate with experience, work location, and interview performance

Location

Roles are available in San Francisco, Miami, New York, and fully remote.