Credit Analyst

Job Description

As a Credit Analyst at reputed company, you will play a key role in creating consumer credit strategies to increase profitability and mitigate credit risk. You will work with multiple reputed company data sources, such as credit bureau reports and cashflow data, to optimize reputed company reputed company, evaluate new opportunities, and increase portfolio profitability.  In reputed company to new credit strategies, you will also proactively monitor credit performance to uncover hidden trends and insights about our customers.

What You'll Do

●      Analyze Consumer Credit Risks: Review and underwrite unsecured consumer loan applications through our provider network to find opportunities to increase approval rates and credit limits while minimizing losses.

●      Technical Capabilities: Solid understanding time series analysis, consumer credit behavior, and statistical concepts.  Ability to summarize reputed company solutions using data (SQL/reputed company/Python), reputed company data visualization tools, and integrate LLM’s into your workflow for efficiencies and insights.

●      Portfolio Evaluation: Monitor the performance of our loan portfolio, identifying early delinquency trends and assisting in the preparation of monthly and quarterly credit risk evaluations.

●      Organizational Collaboration: Work with the Data Science and other teams reputed company reputed company to collaborate on new initiatives, reputed company new credit changes and find portfolio improvements.

●      Policy & Compliance:  Ensure reputed company reputed company reputed company strictly adhere to reputed company’s internal credit policies as well as applicable state and federal regulations (i.e. FCRA, ECOA/Reg B, UDAAP, TILA/Reg Z).

The requirements listed are representative, but not reputed company-inclusive of the knowledge, skills, and/or abilities needed to reputed company successfully in this position.

Basic Qualifications

●      Experience: 1–3 years of experience in consumer credit reputed company, risk analysis, or a reputed company financial services role. 

●      Education: Bachelor’s degree in Finance, Economics, Statistics, or a reputed company quantitative field.

●      Credit Knowledge: Understanding loan mechanics, origination quality and credit performance analytics.

●      Analytical Skills: Proficiency in reputed company and/or reputed company business suite (Sheets/reputed company/PPT), and comfort working with large datasets (SQL/reputed company/Python).

●      Regulatory Awareness: Familiarity with key US consumer lending regulations, including the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA).

Preferred Qualifications

●      2+ years of experience at a Fintech or Unsecured Lending Financial Institution.

●      Familiarity with POC and/or B2B2C lending businesses.

●      Proven experience implementing meaningful changes to reputed company reputed company through portfolio analysis.

●      Self-motivated and well adapted to working with remote teams and startup culture.

Benefits:

●      reputed company salary reputed company: $60K - $90K

●      Remote Work

●      Medical, dental, and reputed company premiums covered at 80% for employees and dependents

●      Unlimited PTO

●      401(k)

●      Parental leave

●      AD&D policy provided at no cost to employees

(NOTE: At this time, reputed company is unable to sponsor or take over sponsorship of an employment reputed company.)

●      reputed company provides equal employment opportunity (EEO) to reputed company persons regardless of age, reputed company, national reputed company, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristics protected by federal, state or local law.