Overview
A financial technology platform is seeking a Senior Credit Risk Analyst to lead verification strategy for its personal loan product. This role involves designing and optimizing the use of vendor data, credit bureau data, and internal signals to validate income, evaluate credit risk, and improve underwriting decisions. The position directly influences funding volume and early credit performance by determining when and how to step up verification across the application funnel.
Responsibilities
- Build and scale income verification strategies for personal loans
- Leverage credit bureau and vendor data (payroll, cashflow, alternative data) to detect income inconsistencies and risk signals
- Define verification playbooks, decision rules, and escalation criteria for manual review
- Quantify and optimize trade-offs across approval and conversion rates, funding/booked loans, early delinquency, and credit losses
- Design and run A/B tests and champion/challenger strategies
- Monitor performance using funnel metrics, cohort/vintage analysis, and risk segmentation
- Partner with Product, Data Science, Fraud, and Credit Underwriting teams
- Translate analysis into clear, high-impact recommendations
Requirements
- 5+ years of experience in credit risk, underwriting strategy, or verification analytics
- Hands-on experience with personal loans or unsecured consumer lending
- Experience working with credit bureau data and income/bank/payroll data vendors
- Proven ability to drive data-backed strategy decisions and optimize trade-offs
- Experience designing or influencing verification or underwriting policies
- Strong SQL skills; Python or R is a plus
- Experience with experimentation and swapset analysis
Preferred Qualifications
- Deep experience with income verification vendors and workflows
- Familiarity with credit risk, underwriting strategy, and first-party fraud
- Experience in fintech or high-growth lending environments
Compensation & Benefits
- Salary range: $130,000 - $150,000 per year
- Pre-tax and post-tax retirement savings plans with competitive company matching
- Generous paid time off including vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays
- Multiple health care plans including dental and vision options
- Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
- Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and health advocate programs
- Additional discounted benefits including identity theft protection, pet insurance, fitness center reimbursements, and more
Location
Not specified