Senior Credit Strategy Analyst – Home Secured, Super Prime UW

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

📋 Description

• This role involves overseeing, enhancing, and formulating Credit strategies, including underwriting and loan amounts for personal loans.

• Develop and implement test/control champion/challenger tests while monitoring outcomes to guide future strategies.

• Conduct scenario analyses, create financial impact assessments, and devise new strategy test cases.

• Execute ad-hoc analytics and generate reports and presentations.

• Collaborate across various functional areas to bolster overall growth, enhance products, and improve web funnel conversion rates across all channels.

• Work in partnership with Decision Science to define and build Credit models and tools.

• Maintain overall risk and return targets for investors, especially in a fluctuating economic landscape.

⛳️ Requirements

• A minimum of 5 years of experience in a comparable analytical role.

• Bachelor’s Degree in Statistics, Mathematics, Operational Research, Engineering, or another quantitative major is required; a Master’s degree is advantageous.

• Background in the financial industry with a focus on credit risk is essential; experience in online lending, near-prime, or sub-prime is a plus.

• Proficiency in Python or a similar programming language, SQL, and MS Excel is necessary.

• Ability to interpret data using analytics, research methods, and statistical approaches is required.

• Previous experience with Business Intelligence tools (e.g., Tableau, PowerBI, etc.) is preferred.

• Excellent written and verbal communication skills in English, along with strong critical thinking and interpersonal skills.

• Highly independent and self-driven, with the ability to formulate opinions supported by data.

• Extensive knowledge of modeling tools and techniques and their application in strategy development.

• Capacity to comprehend competitive pressures, economic trends, and their business implications.

• High energy and the ability to thrive in a fast-paced environment.

• Comfortable engaging and collaborating with colleagues at all levels of management across various business units and third-party vendors.

• Proven technical leadership skills, including self-direction, coaching, and mentoring.

• Highly motivated, well-organized, capable of conducting business analysis, and effectively communicating status and results.

• Ability to excel in a cross-functional team that emphasizes Collective Ownership in a dynamic setting.

• Competent in working both independently and collaboratively as a team member.

• Confident in challenging the status quo while also being open to executing others' ideas when needed.

• Capable of teaching and learning from others to foster a culture of knowledge continuity and personal growth.

• Foster positive working relationships with other business units, especially Marketing, Operations, and Finance.

🏝️ Benefits

• Pre-tax and post-tax retirement savings plans with a competitive company matching program.

• Generous paid time-off plans that include vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays.

• A variety of health care plans to choose from, including options for dental and vision care.

• Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts.

• Company-paid benefits, including life insurance, wellness platforms, employee assistance programs, and Health Advocate programs.

• Additional great discounted benefits, such as identity theft protection, pet insurance, fitness center reimbursements, and many more!