Credit Risk Analyst

Credit Risk Analyst

This job is no longer open
The Petal Mission

Petal’s mission is to expand access to opportunity by making responsible and modern financial services available to everyone. Our vision of responsible credit for the modern world has us using data to get a clear picture of applicants’ financial abilities and helping our users build their financial future through our products.

We're pioneering a new approach to credit access, enabling applicants to leverage not just their credit history, but also their banking history and other data to establish their creditworthiness even if they are declined at the big banks. Our proprietary Cash Scoring technology takes applicants’ income, spending, and savings into account and is helping traditionally underserved consumers across the United States access honest, simple, and responsible credit, even if they’ve never had it before.

We bring the same ingenuity to the Petal Card product experience itself. Our simple and intuitive app gives members access to credit score tracking, budgeting tools, subscription management, and automated payment options—everything they need to make financial progress.

Now more than ever, Americans need help improving their credit safely, responsibly, and affordably. If this sounds like something you’d like to be a part of, apply now, and let’s change this trillion-dollar industry together.

At Petal, we're looking for people with kindness, positivity, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and potential will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Petal, we welcome diverse perspectives from people who think rigorously and aren't afraid to challenge assumptions.

The Risk Role

We are working on revolutionizing credit through usage of personal cash flow in underwriting. Achieving this objective requires outstanding risk management. Risk touches the entire customer life cycle and we intend to provide a safe, seamless and industry-leading experience for our customers. We are pioneering cash-flow underwriting in the space and we have an opportunity to use an entirely new data source to deliver for customers and the business. 

Key responsibilities

    • Develop insights and data visualizations to solve complex problems and communicate ideas to internal stakeholders.
    • Extract and analyze data, investigate data integrity, generate metrics and perform ad hoc analysis.
    • Partner with data engineers to validate & deploy solutions in an efficient, sustainable & usable manner.
    • Explore and test new data sources to improve our decisioning.
    • Design and execute acquisition, pricing, credit line tests.
    • Build and execute performance reporting.
    • Be a thought leader on the broader team for credit card customer experience.

Characteristics of a successful candidate

    • 3-5 years experience in credit risk management 
    • Strong knowledge of SQL, R and Python (preferred but not required)
    • Strong self-management, drive, and organization
    • Ability to multi-task in a fast-paced environment is essential
    • Strong track record in working collaboratively
    • Understanding of credit cards
For our California employment information privacy statement, please click here.
This job is no longer open
Logos/outerjoin logo full

Outer Join is the premier job board for remote jobs in data science, analytics, and engineering.