Credit Risk Manager

This is a fully remote position, open to applicants in United States.

📋 Description

• Enhance and update credit underwriting strategies utilizing advanced analytics across various lending products.

• Examine historical loan performance data to model credit expansion initiatives, pinpoint customer segments, and optimize conversion funnels.

• Conduct root-cause analyses on credit losses and trends in defaults.

• Collaborate with Fraud Risk Management to bolster fraud prevention measures.

• Create valuation models to assess segment-level economics and provide guidance to Capital Markets regarding yield projections and performance assumptions.

• Work alongside Product, Engineering, and Data Science teams to design A/B tests that balance risk management, conversion improvements, and user experience.

• Monitor and validate performance before and after implementing changes to credit and fraud rules.

• Develop monitoring frameworks for product launches, emerging portfolio risks, and executive decision-making processes.

• Present underwriting methodologies to investors and assist with due diligence and queries about portfolio performance.

• Partner with Legal and Compliance to guarantee adherence to regulatory standards.

• Perform ad hoc quantitative analyses in support of Credit, Operations, and Product objectives.

⛳️ Requirements

• Bachelor’s or Master’s degree in a quantitative field (such as Statistics, Math, Economics, Computer Science, Engineering, or Business).

• Over 5 years of experience in credit risk management or data science related to consumer lending.

• Ability to thrive in a dynamic and fast-paced environment where priorities can change rapidly.

• Highly motivated, results-oriented individual with a strong curiosity and a proven ability to investigate root causes, challenge existing norms, and devise innovative solutions.

• Excellent analytical and problem-solving skills, paired with sound business judgment.

• Strong communicator capable of simplifying complex data into clear, actionable insights for diverse audiences.

• Effective team collaborator, comfortable engaging with partners across various teams and levels of seniority.

• Advanced skills in SQL and Python/R for independently extracting, cleaning, and modeling complex relational data.

• Practical experience with predictive modeling, customer segmentation, and statistical methodologies to assess risk and borrower behavior.

• Familiarity with Tableau, Power BI, and Looker.

• Compliance with all company security protocols and data handling practices.

• Completion of mandatory security awareness training within specified timelines.

• Immediate reporting of any suspected security incidents or unusual activities to the Security team.

• Verification of identity and eligibility to work in the United States is required.

• This position does not offer sponsorship for work visas.

🏝️ Benefits

• Target annual bonus of 25%, paid quarterly.

• Company equity provided in the form of RSUs.

• Extensive medical, dental, and vision coverage with 100% employer-paid premiums for employees and their dependents on select plans.

• Access to company-sponsored HSA, FSA, Dependent Care FSA, 401(k), and commuter benefits.

• Employer-covered life and disability insurance.

• 11 observed holidays along with a PTO plan.

• Up to 12 weeks of paid family leave.

• Reimbursement for continuing education expenses.