Define, execute and socialize credit risk strategy and risk appetite aligned to effective risk mitigation, growth and profitability goals
Establish credit policy and lifecycle controls across patient touchpoints
Leverage traditional and alternative data to design and refine underwriting and pricing strategies across PayZen’s products
Maintain critical reporting to track KPIs including origination trends, delinquency and loss rates, pricing and unit economics
Enhance loss forecasting and work closely with partners to quantify implications of loss forecast and loss curve changes
Partner with Product and Engineering to translate risk requirements into scalable, production-grade decision logic as well as support ongoing optimization of credit decisioning through experimentation, monitoring, and feedback loops

Requirements

4+ years of experience in credit risk analytics, underwriting, or portfolio management within fintech, payments, or lending
Proficiency in SQL and experience using Python (or similar) for data analysis and modeling
Ability to translate complex analytical findings into clear recommendations for cross functional partners
Experience working in fast-paced, ambiguous environments with multiple stakeholders
Familiarity with real-time or near–real-time decision engines and underwriting platforms
Bachelor’s degree in a quantitative field such as Statistics, Economics, Finance, Engineering, or Computer Science

Benefits

Competitive pay, benefits and stock options

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit risk analyticsunderwritingportfolio managementSQLPythondata analysismodelingloss forecastingdecision logicKPI tracking

Soft Skills

communicationanalytical thinkingcollaborationadaptabilityproblem-solvingstakeholder managementrecommendation translationcross-functional teamworkoptimizationfeedback integration