Credit Risk Analyst

DigniFi

Credit Risk Analyst helping design credit strategies at DigniFi, a FinTech leader. Responsible for credit policy performance analysis, model monitoring, and cross-functional collaboration.

Posted 6/26/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $72,000 - $90,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Analyze credit policy performance including approval rates, decision distributions, and cutoff effectiveness
Support evaluation of credit strategy metrics and tiering strategies
Monitor automated decisioning rules and identify opportunities for optimization
Provide analytical support for policy changes, limit adjustments, and offer structure refinements
Produce recurring credit performance reporting across segments, tiers, and vintages
Track origination quality metrics, early payment defaults, and delinquency emergence by cohort
Analyze credit attribute distributions, score migrations, and performance vs. expectations
Maintain dashboards and scorecards that support internal decision-making and investor/capital partner reporting
Model tradeoffs between approval rates, expected loss rates, and portfolio yield
Conduct segment-level profitability analysis to inform risk appetite decisions
Support scenario analysis and simulation frameworks for proposed policy changes
Analyze swap-in/swap-out populations to evaluate potential decisioning rule adjustments
Analyze pricing effectiveness across risk tiers, products, and channels
Support evaluation of term structures, APR strategies, and fee configurations
Provide data and insights connecting pricing decisions to portfolio economics and competitive positioning
Monitor credit model and scorecard performance (rank-ordering, KS statistics, Gini coefficients)
Support model validation activities by preparing performance data and back-testing analysis
Analyze model input variables and feature importance to inform future model development
Collaborate on model performance reviews and enhancement opportunities
Partner with collections, servicing, and fraud teams to ensure aligned metric definitions and portfolio health understanding
Collaborate with finance on loss forecasting inputs, CECL analysis, and reserve adequacy
Support investor and board reporting with transparent loan-level data and performance analytics
Engage with technology teams on data access, decisioning platform enhancements, and reporting infrastructure

Requirements

What you’ll need

Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or related quantitative field
Minimum 3–5 years of experience in credit risk analytics, underwriting analytics, or portfolio analytics (consumer lending preferred)
Demonstrated experience using SQL and Python (or R) in a professional analytics environment
Experience with credit policy analysis, approval rate monitoring, vintage analysis, or loss forecasting
Exposure to decisioning platforms, credit bureaus, or underwriting systems
Strong understanding of consumer lending products, credit risk metrics, and underwriting workflows
Experience with credit scorecards, model performance monitoring, or model validation support
Experience designing or evaluating A/B tests or controlled experiments

Benefits

Comp & perks

Flexible PTO
12 Paid Holidays
Up to 80% Employer-Paid Premiums for Medical, Dental and Vision Insurance
Long-term Disability Insurance
Basic Life Insurance
Paid Parental Leave
Matching 401K
100% Remote Work

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

SQLPythonRcredit policy analysisapproval rate monitoringvintage analysisloss forecastingcredit scorecardsmodel performance monitoringA/B testing