About Caribou 

At Caribou, we’re on a mission to help drivers save money and take control of their car payments. Caribou does this by using technology to unlock low rates, and people to make the process easy and enjoyable. We offer a fully online application and a dedicated team to walk you through the process. We put Drivers in control.

In the last year alone, we grew revenue by 5x and raised a $50M Series B. We’re built by leaders from the technology, automotive, and finance industries, and we’re proud to be backed by a great team of venture capital investors, including QED Investors, Goldman Sachs, Moderne Ventures, Accomplice, Link Ventures, Motley Fool Ventures and others.

About the Role

We are looking for a Manager/Senior Analyst, Credit Risk to help Caribou enter the next phase of lending strategy - proprietary underwriting. As one of the first analysts in the newly-built credit team, you will report directly to the VP of Credit and work closely with colleagues in Data Science, Product, and Capital Markets to build a best-in-class credit function on top of a successful origination tech platform. You will have opportunities to lead a wide range of high impact credit analytics projects and shape the company's evolving business model. The Manager/Senior Analyst, Credit Risk responsibilities include (but not limited to):

• Partner with data scientists on credit risk scoring model development, evaluation, and implementation
• Design credit policies(including approval/decline, pricing, loan amount, and verification) to underwrite auto loan asset with industry leading risk-adjusted return while continuing to drive asset growth 
• Build loss/prepay forecast and loan valuation tools to estimate asset economics for lending partners and optimize levers to drive business growth
• Lead credit bureau and alternative data research, business case design, and cost-benefit analysis
• Partner with product managers on new lending product development
• Assist lender development team on lender network/bounty/allocation optimization
• Contribute to end-to-end borrower acquisition process, balancing risk, profitability, and customer experience

This role can be based out of Caribou offices in Washington, DC; Denver, CO; Austin, TX. Alternatively, the Manager/Senior Analyst of Credit Risk can work remotely from a state where Caribou does business(we are very remote friendly!). However, this role will require attendance at occasional in-person team meetings. As a result, candidates must be fully vaccinated against COVID-19 to be eligible for this position.

About You

• 2-5 years of experience in credit risk strategy and analytics 
• Strong passion for transforming consumer lending industry
• Proficient in analytical scripting language such as Python, R, or SQL
• Strong quantitative, analytical and problem-solving skills
• Good business understanding of machine learning models
• Strong leadership and communication skills
• Intellectual curiosity and desire to challenge the status quo
• Demonstrated ability to work in a fast-paced, collaborative environment
• Bachelor's degree or higher level program in a quantitative field such as math, economics, engineering

Bonus points for

• Expertise in credit bureau data
• Experience in auto lending 
• Experience in loss forecast and valuation model

How we will take care of you

Everyone at Caribou is a valued team member, and we always strive to live up to our value Take Care of Each Other. Our compensation and benefits package includes: 

• Competitive base salary compensation: $120k-$150k 
• Equity in a high growth startup
• Fantastic health, dental, vision, and mental health insurance, and a generous PTO plan
• Company-paid for short & long term disability insurance and basic life insurance 
• Optional benefits include HSAs, FSAs, voluntary life insurance, and pet insurance.

Our Core Values

We come from all walks of life and are joined together by our shared values, which guide our work. This helps us improve life for our customers, our communities and our team members.

• See people as people
• Take care of each other
• Commit to the mission
• Move quickly and bravely
• Get better every day
• Seek truth

Caribou is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, sexual orientation, pregnancy status, marital status, military or protected veteran status, genetics, or any other characteristic protected by law. This position is not restricted solely to the responsibilities listed above, and the scope and responsibilities are subject to change. A pre-employment background check is required as a condition of employment.