At Wisetack, we’re building financially-responsible consumer lending products that help service-based businesses thrive.

Wisetack is a well-funded ~100 person startup founded in 2018 by a team of experienced fintech veterans, with a leadership team that comes from PayPal, LinkedIn, Lending Club, Affirm, Amazon, and other top companies. We’re backed by leading VCs, including Insight Partners, Greylock, and Bain Capital Ventures, (investors in Airbnb, LinkedIn, Instagram, Dropbox, and many more.)

We raised a $45M Series B last year and since then, we've invested in our people and technology and signed a slew of new partnerships. This is a fun stage in any company's lifecycle where we've got the core foundation built, a healthy growth rate, and a clear path to success, but you'd still be joining early enough to help shape the future of the company.

Business Insider called us one of the 70 most promising startups changing the world of finance, LendIt selected us as this year's winner in the Best Emerging Lending Platform category for their Fintech Industry Awards, and we were just named to the inaugural SMBTech 50 list (perhaps you saw us on the billboard in Times Square?) The external recognition is great, but we're equally -- if not more -- happy with the recognition from our customers. Our current NPS rating is a sky-high 78. We're proud that we're building a product that customers love.

In this role, you will:

Perform credit analyses to improve new customer underwriting (approve/decline, loan amount assignment, and pricing)

Monitor and report credit product risk and portfolio trends

Design and perform various types of analyses such as Vintage, Time Series, Deep Dive, What-If, and Root Cause analyses on our lending portfolios. Analyze and report key findings. Recommend appropriate policies, procedures, controls, and underwriting guidelines to manage risk.

Research, collect, and analyze external macro-economic and industry trends to forecast their impact on consumer credit risk

Develop a solid understanding of segment level valuations to develop optimal policies at the segment level

Work closely with Data Scientists to leverage new underwriting risk models

Strong candidate characteristics:

• 2+ years of experience performing credit analyses in consumer lending businesses (e.g., credit cards, auto loans, unsecured loans)
• Ability to perform analyses with a high degree of autonomy and accuracy
• Strong sense of ownership and business orientation
• Strong technical skills - SQL, Excel Macros/VBA - R/Python is a bonus
• Ability to communicate insights clearly and succinctly (written and verbal)
• Experience using Tableau or other software for data exploration & visualization is strongly preferred
• BS / MS in a quantitative discipline (Computer Science, Mathematics, Statistics or Engineering) preferred

Spend a little time on our About Us page researching our team and our values, and check out our Press page and our blog for more background on what we do. If you think this might be a fit, we’d love to hear from you!