Credit Risk Associate

Responsibilities

• Own credit risk strategy across areas such as model prototyping, credit limits, payment speed, and collections.
• Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
• Build practical tools, apps, dashboards, agents, notebooks, QA loops, monitors, and decisioning processes when workflows do not yet exist.
• Use AI tools for research, analysis, coding, synthesis, writing, verification, and follow-through.
• Build AI into credit risk workflows, including feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
• Investigate data sources and model features; evaluate signal quality, coverage, failure modes, and effects on credit decisions.
• Make ambiguous credit risk decisions while balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
• Partner with Product, Engineering, Design, Data Science, Risk Operations, Finance, Customer Experience, and Compliance to execute and build risk-management infrastructure.

Requirements

• Minimum 2 years of experience in credit risk management or a quantitative strategy role.
• Minimum 2 years of experience using SQL or Python for data retrieval and manipulation.
• Demonstrable AI fluency, including the ability to explain tools used, show an artifact, describe a recent failure mode, and explain verification performed before using the output in a credit risk decision.
• Demonstrated ownership in ambiguous situations: define the question, obtain data, make decisions, communicate tradeoffs, and drive follow-through.
• Strong communication skills, with the ability to turn complex credit risk decisions into clear narratives for leadership and cross-functional partners.

Nice-to-Haves

• Experience building credit risk systems for card or expense-management products.
• Experience in high-growth startups or rapidly changing operating environments.
• Experience working with Operations teams.

Compensation and Benefits

• ATS salary range: $108,000–$200,000 annual base salary.
• Expected New York City base salary ranges by level:
  • Analyst: $108,000–$148,000
  • Associate: $140,000–$192,000
  • Senior Associate: $160,000–$200,000
• Equity and benefits are additional.
• Benefits include flexible PTO, home-office equipment, health and wellness stipends, medical/dental/vision coverage, One Medical membership, 401(k) with employer match, parental leave, pet insurance, and in-office perks.
• Relocation support to NYC or SF may be available.