Senior Analyst, Credit Risk

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Senior Analyst, Credit Risk in United States.

This is a high-impact analytical role at the intersection of data science, financial strategy, and product innovation. You will play a key role in shaping how consumer credit is assessed, priced, and scaled across evolving financial products. Working in a fast-paced, remote-first environment, you’ll collaborate cross-functionally to transform complex datasets into actionable insights that drive growth and portfolio health. The position offers strong ownership, allowing you to lead initiatives end-to-end—from problem definition to execution. You’ll also influence critical decisions related to underwriting, credit policy, and product strategy. If you enjoy solving complex problems and communicating insights that matter, this role offers both challenge and visibility.

Accountabilities:

Own end-to-end credit analysis workflows, translating data insights into actionable strategies for underwriting, pricing, and product development
Develop and refine credit risk models using traditional and alternative data sources, including cash flow-based insights
Design, execute, and analyze experiments related to pricing, acquisition strategies, and product features
Build and maintain forecasting models, including loss projections, stress testing, and portfolio monitoring frameworks
Collaborate with cross-functional teams (Product, Engineering, Finance, and Treasury) to align analytics with business objectives
Drive automation and scalability of credit decisioning processes while maintaining strong risk governance
Present insights and recommendations clearly to both technical and non-technical stakeholders, influencing strategic decisions

Requirements:

2–5+ years of experience in credit risk, analytics, or a related role within consumer finance (e.g., lending, BNPL, credit cards)
Strong proficiency in SQL and experience with Python, PySpark, or similar data tools
Solid understanding of credit risk principles, underwriting strategies, and credit policy frameworks
Experience building models for forecasting, pricing, and unit economics
Ability to translate complex data into clear, business-oriented insights and recommendations
Strong communication and stakeholder management skills, with experience working cross-functionally
Familiarity with data visualization tools (e.g., Tableau) and AI-assisted analytics tools is a plus
Bachelor’s degree in a quantitative field such as finance, economics, mathematics, or engineering

Benefits:

Competitive salary package with performance-based incentives
Flexible, remote-first work environment with optional office access
Unlimited paid time off and generous parental leave policies
Comprehensive healthcare coverage for employees and dependents
Company-sponsored retirement plan with matching contributions
Learning and development stipend to support continuous growth
Wellness benefits and subscriptions to support work-life balance
Collaborative culture with strong career development opportunities

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?

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

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