Senior Credit Analyst

Overview

This role is within Credit Policy & Analytics and supports portfolio performance by designing lending systems, models, and controls that help make credit sustainable. The work focuses on building and scaling a portfolio of responsible EWA & Pay Later products across markets while protecting users from high-cost debt risk.

The organization is seeking a Senior Credit Risk Analyst to help build next-generation credit underwriting models and strategy as part of its credit expansion across the US and UK, including EWA scaling (2x every year) and new launches such as BNPL.

Responsibilities

• Use proprietary and third-party data to reduce loss rates and improve customer experience
• Optimize risk thresholds, policies, and strategy to expand member access and eligibility for credit products
• Apply quantitative analytics to identify risk drivers and recommend mitigation strategies
• Build dashboards to monitor and report on credit product performance
• Design, run, and analyze experiments across credit products
• Use state-of-the-art techniques to combat and mitigate fraud risk
• Influence credit policy, portfolio performance, and customer outcomes through analysis, with exposure to senior stakeholders

Requirements

• Bachelor’s degree in Engineering, Math, Finance, or another quantitative discipline (Master’s is a plus)
• 3–5 years of analytical experience, preferably in a credit risk role at a FinTech company
• Experience designing lending products compliant with US state and federal regulations
• Proficiency with SQL, Python, or other statistical modeling tools
• Advanced Microsoft Excel skills
• Experience adopting AI tools in day-to-day work
• Experience/knowledge of working with A/B testing

Preferred Qualifications

• Experience with Python for data analysis (Pandas or NumPy)
• Knowledge of state-of-the-art machine learning techniques

Compensation & Benefits

Benefits package includes:

• Meaningful equity
• Comprehensive health insurance
• Mental health support
• Paid one-month sabbatical after four years
• Learning & development platform
• Pension or retirement contributions
• Location-specific leave entitlements

Location

US and UK (work supporting credit expansion and product launches across these markets). Benefits vary by country.