Overview
A financial services organization specializing in credit and banking products is seeking a Senior Lending Analyst. This role focuses on portfolio performance analysis and credit strategy development across lending products, including origination, pricing, account management, and collections. The position involves credit analytics, risk management, and business decision-making to evaluate portfolio health, assess trade-offs, and recommend strategies that support responsible growth within a regulated consumer finance environment.
Responsibilities
- Analyze and monitor credit portfolio performance across origination, account management, and collections to identify trends, risks, and opportunities
- Develop, evaluate, and optimize credit strategies such as underwriting rules, pricing structures, loan assignment, and collection treatments
- Conduct detailed analyses on approval rates, delinquency, roll rates, losses, vintage performance, and profitability trade-offs
- Design and assess strategy tests and experiments (e.g., policy changes, pricing adjustments, treatment segmentation), defining success metrics and tracking performance
- Prepare clear, actionable insights and recommendations for Credit Risk, Product, and business stakeholders to support data-driven decision making
Requirements
- Minimum 5 years of experience in credit analytics, risk analytics, or financial analytics with hands-on portfolio analysis experience
- Bachelor’s degree in a related field or equivalent combination of education and work experience
- Experience supporting credit strategy in areas such as origination, pricing, account management, or collections
- Strong analytical skills with proficiency in SQL and Excel; working knowledge of Python or other analytics tools preferred
- Solid understanding of consumer credit performance metrics and lending economics
- Experience in consumer lending, fintech, banking, or another regulated financial services environment
- Ability to translate analysis into clear business recommendations and communicate effectively with cross-functional partners
Preferred Qualifications
- Master’s degree in a related field or equivalent combination of education and work experience
- Experience leading or materially supporting credit strategy design across origination, pricing, account management, or collections
- Strong understanding of consumer lending economics, including approvals, losses, and profitability trade-offs
- Experience partnering cross-functionally to test, implement, and monitor credit strategy or policy changes
- Advanced degree in a related quantitative field or equivalent experience
Compensation & Benefits
- Salary range: $100,400.00 - $150,600.00 per year
- Individual pay decisions depend on experience, education, skill, performance, and geographic location
- Potential eligibility for incentive compensation or short-term incentive plans
- Medical and prescription drug coverage options for employees and eligible dependents
- Retirement savings plan (401(k))
- Employee assistance program
- Virtual fitness center programs
- Associate discount program
- Business travel accident insurance
- Associate tax preparation benefit
Location
Not specified in the original description.