Title: Credit Analyst/Specialist 

Location: Remote (Belgrade, Serbia), or Hybrid (Houston, Texas) 

About Rhythm  

Rhythm is a renewable energy and technology company empowering you to take control of your budget and your footprint.  We combine energy market expertise with technology, design, and data science to create best-in-class products and services that are simple, delightful, and seamlessly integrated with the rhythm of your life. Our mission is to upend the energy status quo by setting a new standard of service excellence and customer partnership. We are a mission-driven, results-oriented group that loves solving tough problems, all while making a positive impact on our communities.  

Title: Credit Analyst/Specialist 

The ideal candidate for the Credit Analyst/Specialist position will have a drive for discovering trends in data, an ability to drive effective actionable insights from data, own key reporting duties, and be a confident self-starter. The candidate sought is a tech-forward master of details and data, with a passion for implementation of solutions. 

This role will work under the supervision of Director of Commercialization and Credit and be a key member of the Commercialization team. The Commercialization team manages pricing, gross margin, credit strategy, churn analysis and customer lifetime value analysis, and is responsible for ensuring profitability across the customer lifecycle, from acquisition (and admission risk) to renewal performance.  

Qualifications  

• A University degree in a financial or technical field such as Economics, Statistics or Mathematics. 
• Excellent financial, commercial, and analytical acumen, with ability to transform data insights into P&L results 
• 3+ years of managing credit and bad debt risk in tech-forward consumer businesses or FinTech, or 2+ years of managing credit and bad debt risk within the Texas electricity market. 
• Ability to communicate with equal fluency with business and technical counterparts across functions (including operations, collections, product, sales, technology, and customer care functions) 
• Adaptability in a rapidly changing business and industry  
• A go-getter who is passionate about data and details  
• Candidates that display drive, initiative, and passion will be preferred 
• Advanced coding skills (including Python, SQL, Databricks) is preferred, as is familiarity with common analysis/BI tools (Excel, Tableau, etc.…) 
• Experience working remotely is preferred, but not required 

Job Responsibilities  

This role will own all reporting and analysis pertaining to credit and bad debt performance, analyzing data, and implementing actions and initiatives to drive performance improvements in credit quality, including minimizing bad debt risk and exposure. Responsibilities will include: 

• Manage all credit and bad debt KPIs, including the development of new reports 

• Discover insights/trends through root cause and data analysis in credit and bad debt performance, across multiple cohorts and segments, and derive actionable insights from complex data 
• Present findings to the Director of Commercialization and Credit and other Rhythm executives, with the aim of driving purposeful and data-driven decisioning to mitigate credit risk and increase collection recovery rates 
• Constantly monitor trends (daily, weekly, monthly) to ensure alignment with Rhythm’s credit practices, policies and procedures and desired P&L outcomes 
• Propose changes to Rhythm’s credit policies based on data analysis 
• Implement solutions to insights, working with key Rhythm functions  
• Assist the Director of Commercialization and Credit and Head of Engineering on technology solutioning and technology partner relationship management pertaining to Credit and Bad Debt  
• Able self-starter who thrives both in situations of ambiguity and certainty 
• Act as a vital bridge between the credit and collections teams, ensuring coordination on key initiatives 
• Assist with other ad hoc Commercialization analysis that may span pricing, profitability analysis, or other commercially value accretive activities 

For Serbian candidates: We are a remote-enabled company that utilizes a cloud-only tech stack, making it easy for you to contribute from anywhere.  We will consider qualified remote candidates willing to work to maximize alignment to our time-zone (6am-3pm CT Monday-Friday, which is 1pm - 10pm CET). We require a high proficiency in technical communication in English. 

What you'll love: 

• Our culture. We're friendly, transparent, and love to innovate together. 
• Flexible work-life balance. We embrace the mix of working remote and from the office. 
• Professional development opportunities. We love to grow together.  
• A chance to make a difference. We're a sustainably-driven company rethinking what's possible in Energy. 
• Competitive compensation. We reward performance with annual bonuses and salary increases. 
• Health Benefits. We promote your wellbeing with 25 days of vacation and premium private medical insurance for you and your family. 

If you're feeling our energy, apply now!