Credit Analytics
Own credit and product analytics for consumer liquidity products, shaping underwriting strategy, portfolio risk policies, and new product launches. The role requires 4–8 years of credit analytics experience, advanced SQL, AI capabilities, and strong quantitative problem-solving skills.
About the job
Responsibilities
- Own credit strategy end-to-end across advance, overdraft, and other credit products, creating policies that balance growth and risk.
- Analyze customer behavior across products, connecting segmentation and behavioral signals to uncover insights.
- Launch new credit products from scratch using first-principles thinking and limited data.
- Use AI-powered tools and techniques to accelerate analysis and develop and validate predictive insights.
- Share insights and recommendations with senior leadership and stakeholders to influence business direction.
Requirements
- 4–8 years of professional experience in credit analytics.
- Experience using quantitative analysis to drive business or product changes in a fast-paced environment.
- Experience with consumer underwriting strategy and/or portfolio risk analytics.
- Advanced SQL and AI skills, with the ability to independently pull and analyze complex datasets.
- Strong analytical thinking and problem-solving skills.
- Ability to turn ambiguous questions into clear insights.
- Intellectual curiosity and a focus on understanding underlying causes.
- Ownership mentality and bias toward action.
Nice-to-Haves
- Experience with cash advance, overdraft, buy now, pay later, or short-term consumer lending.
Compensation & Benefits
- Competitive base salary, stock options, and health benefits from Day 1.
- 401(k) plan with company match.
- Remote-friendly within the United States.
- Flexible time off and opportunities for growth.
Skills
SQL, Credit Analytics, Credit Strategy, Consumer Underwriting, Portfolio Risk Analytics, Predictive Analytics, Product Analytics, Segmentation, Behavioral Analytics, Artificial Intelligence
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