Sr. Credit Risk Analyst

Accountabilities: As a Senior Credit Risk Analyst, you will leverage analytical expertise and business understanding to optimize credit and fraud strategies while supporting strategic decision-making across the organization. You will collaborate with cross-functional teams to evaluate risk performance, identify opportunities for improvement, and translate complex data into actionable recommendations.

• Develop and optimize credit and fraud strategies using data, machine learning models, and advanced analytics techniques.
• Design and analyze A/B tests to evaluate risk decisions, customer experience impacts, and business trade-offs.
• Identify new data sources, analytical approaches, and modeling opportunities to improve risk management capabilities.
• Partner with Data Science, Product, Engineering, and operational teams to implement and validate risk strategies.
• Conduct portfolio performance analysis at detailed segment levels and identify key drivers impacting business outcomes.
• Perform root-cause analysis to uncover trends, risks, and opportunities for optimization.
• Communicate analytical findings, insights, and recommendations to leadership and broader business teams.
• Support ad-hoc analyses related to risk management, product performance, and operational initiatives.

Requirements

The ideal candidate combines strong analytical capabilities with experience in credit risk, fraud analytics, or data-driven decision-making. You should be comfortable working with large datasets, translating insights into business actions, and operating in a fast-paced environment where innovation and ownership are valued.

• Bachelor’s or Master’s degree in Business, Statistics, Mathematics, Computer Science, Engineering, Economics, or a related quantitative field.
• 3+ years of relevant experience with a Master’s degree or 5+ years with a Bachelor’s degree in credit risk, fraud analytics, data science, or a related field.
• Experience in consumer lending, personal loans, credit cards, or financial services is preferred, though strong technology and analytics backgrounds will also be considered.
• Strong analytical and problem-solving skills with the ability to interpret complex data and develop practical solutions.
• Advanced proficiency in SQL and Python; experience with DBT and Looker is a plus.
• Knowledge of segmentation, statistical analysis, and financial analytics tools.
• Strong communication skills with the ability to present technical concepts clearly to technical and non-technical stakeholders.
• Ability to challenge assumptions, ask insightful questions, and identify opportunities for improvement.
• Strong ownership mindset with the ability to manage ambiguity, prioritize effectively, and deliver high-quality results.

Benefits

• Competitive salary range of $129,000 - $140,000 annually , plus potential bonus eligibility.
• Flexible work options, including remote opportunities and access to collaborative office environments.
• Comprehensive health coverage, including medical, dental, and vision benefits.
• 401(k) plan with a 5% company match to support long-term financial goals.
• Flexible paid time off and paid parental leave.
• Annual wellness allowance and resources supporting employee well-being.
• Professional development opportunities, including access to learning platforms.
• Additional perks such as childcare assistance, pet insurance, and employee savings programs.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best! Why Apply Through Jobgether?

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