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Senior Credit Risk Analyst
Senior Credit Risk Analyst
This job is no longer open
The Petal mission
Petal’s mission is to bring financial opportunity and innovation to everyone.
We're pioneering a new approach to credit, enabling Petal Card* applicants to leverage their banking history, in addition to their credit history, to establish their creditworthiness. 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 Petal Card products. 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.
*Petal Cards are issued by WebBank, Member FDIC
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.
Your day-to-day will involve:
- 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
Some things we consider critical for this role:
- 3-5 years experience in credit risk management
- Strong knowledge of SQL & (R or Python)
- Strong self-management, drive, and organization
- Ability to multi-task in a fast-paced environment is essential
- Strong track record in working collaboratively
- Deep understanding of credit cards
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This job is no longer open