Salary
💰 $165,000 - $180,000 per year
About the role
- Optimize our conversion rate by continuously streamlining our origination process and improving user experience.
- Lead efforts to improve automation opportunities while balancing risk and customer experience.
- Manage and optimize existing strategies effectively by designing A/B tests to understand the right risk-return balance.
- Identify and evaluate new vendors / data sources and create business cases and present them to senior management.
- Conduct ad-hoc analysis related to risk management, product, and operations.
- Develop and implement credit strategies leveraging data, machine learning models and advanced analytics tools to mitigate losses and maintain excellent customer experience.
- Continue to innovate by testing new data, analytical approaches and models.
- Monitor and analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers.
- Communicate findings and recommendations to the Risk Management and broader Happy Money community in a clear and concise manner.
Requirements
- 5+ years of experience managing credit risk strategies.
- Bachelor’s or Master’s degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics.
- Strong proficiency with Python & SQL and the ability to analyze large, complex datasets and derive actionable insights.
- Strong analytical and problem-solving skills coupled with deep experience working in Originations strategies and/or processes.
- Experience with credit orchestration and decisioning tools (e.g., Oscilar, LoanPro, Strata, Zoot, ACAPS) preferred.