Our analytics team is looking for a Lead Credit Risk Analyst to drive the credit strategies for our Consumer Lending Products. This role will be instrumental in initiating, analyzing, implementing and monitoring new analytics strategies to drive profitable growth. We are seeking a lead analyst with strong business acumen and technical and critical thinking skills who enjoys solving complex business problems through developing analytical business insights. Understanding the key drivers of business profitability, i.e., revenue and cost, and having an immediate positive impact on company profits are essential elements of this role (this is not a traditional credit analysis role).  The role constantly evolves with the ever-changing business environment and needs.

·         Monitor both digital leads and portfolio performance through appropriate daily, weekly, and monthly reporting, including the development of any new reporting based on gaps or new product offerings.

·         For new customers, create credit and other business strategies to optimize acquisition costs, approve vs. decline cutoffs, verification requirements and loan offer terms.

·         For existing customers, customize risk-based loan offer terms (approval amount, pricing, and term) based on conversion and defaults; develop retention strategies and improve lifetime customer value

·         An in-depth understanding of the inner working of developing and most importantly successfully deploying predictive statistical models in different stages of the customer and loan life cycle is essential to this role

·         Define requirements and use-cases for solutions that can rank order customers by attributes such as likelihood to default, accept an offer, and overall profitability.

·         Analyze and identify opportunities to advance the execution of our disciplined growth strategy that balances short-term vs. long-term profitability and appropriately mitigates credit risk.

·         Design multivariate tests to ensure continuous optimization of our Leads and Portfolio strategies.

·         Collaborate with the Product team to document the requirements for any new strategies or pricing recommendations to take an idea from conception through deployment and monitoring.

·         Implement and execute all applicable credit and decisioning strategies mentioned above in our decision engine.  This requires familiarity with a business-friendly technical tool that enables fast-to-market deployment of new business strategies

·         Familiarity with and ideally an in-depth working knowledge of a BI tool, such as, DOMO, Tableau, Power BI, or Looker.  We use our BI tool to automate all of our descriptive analytics activities and enable diagnostic and prescriptive analytics activities.

  4-5 years of relevant work experience in an analytical role.

·         Strong data analysis skills using Python, SQL, and Excel with pivot tables

·         Bachelor’s Degree in an analytical field of study: mathematics, statistics, physics, engineering, computer science, etc.

·         Strong analytical and critical thinking skills and comfort with making data driven decisions

·         Ability to organize and manage multiple priorities with a sense of urgency

·         Strong attention to details

·         Comfortable with ambiguity and possess a 'figure it out & get it done' mentality

·         Great verbal and writing communication skills

·         Highly self-motivated in a fully remote working environment

·         Experience with internet-based financial services experience.

·         A Master’s degree in an analytical field of study.

·         Your ability to adapt to changes quickly. Startup life allows for a broad, wide-ranging role, but also means priorities and work can change quickly. You should be excited about all this entails!