Overview
A financial technology organization is seeking a Senior Credit Risk Analyst to join their Enterprise Risk Management team. This role combines credit risk analytics, data science, and strategic risk management to support credit risk strategy at a fast-growing fintech bank.
Responsibilities
- Monitor credit performance across consumer and commercial portfolios
- Build and maintain credit risk dashboards providing real-time portfolio health visibility for senior management and the Board
- Analyze early warning signals such as 7-day delinquency, payment behavior changes, and credit utilization patterns to predict portfolio stress
- Track key credit risk indicators (KRIs) including delinquency rates, charge-off metrics, risk grade distributions, and concentration limits as defined in the Bank's Risk Appetite Statement
- Prepare monthly and quarterly credit risk reports for management and board committees
- Lead or challenge credit risk assessments for new products, partnerships, underwriting policy changes, and portfolio expansion initiatives
- Collaborate with Credit, Underwriting, and Product teams to implement corrective actions and prevent recurrence
- Support regulatory examinations by preparing credit risk documentation, responding to examiner requests, and presenting portfolio performance
Requirements
- Bachelor's degree, preferably in a business or quantitative field
- Minimum 5 years of credit risk experience in a bank or financial services organization
- Familiarity with regulatory requirements and guidelines
- Experience with business intelligence tools, including creating dashboards and reports for senior management
- Strong interpersonal, analytical, verbal, and written communication skills
Technologies
- Looker Dashboards
- Snowflake querying
- AI tools such as Claude or similar
Compensation & Benefits
Compensation is market-based and varies by location within the United States, categorized into four zones based on cost of labor indices:
- Zone A: $148,700—$223,100 USD
- Zone B: $138,300—$207,500 USD
- Zone C: $130,900—$196,300 USD
- Zone D: $123,400—$185,200 USD
Starting pay depends on job-related skills, experience, qualifications, work location, and market conditions. Benefits include remote work options, medical insurance, flexible time off, retirement savings plans, and family planning support.
Application Guidelines
- Candidates may submit up to 9 active applications within a 60-day period.
- Reapplications to the same role are accepted 90 days after a previous application review.
- Automated AI tools may be used in the hiring process to evaluate applications for efficiency and consistency, complying with local regulations and privacy laws.
Location
United States (various zones as described above)