Credit Risk Analyst

Prosper Marketplace

Senior Credit Risk Analyst developing credit and fraud strategies using data analysis. Collaborating with teams to optimize risk decisions at Prosper, the first peer-to-peer lending platform.

Posted 7/7/2026full-timeSan Francisco • California • 🇺🇸 United StatesJuniorMid-Level💰 $122,000 - $140,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Develop credit and fraud strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions
Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems
Design A/B tests and understand the risk and customer experience trade-offs
Continue to innovate by testing new data, analytics approaches and models
Partner with Data Science, Product, Engineering and other partner teams to implement credit and fraud prevention strategies, test and validate pre and post performance
Conduct ad-hoc analysis related to risk management, product, and operations
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 Prosper community

Requirements

What you’ll need

Bachelors degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics.
2+ years of experience with a Bachelors (or less with Masters) managing credit risk and/or fraud and/or data science in consumer lending industry, consumer personal loan / credit card experience is a plus
Strong analytical and problem-solving skills
Must have strong proficiency in SQL and Python, Experience with DBT and Looker will be a plus.
Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required
Curious to ask questions, probe into reasons and challenge the status quo
Strong ownership and motivation to drive business result
Ability to work in fast-paced environment and meet deadlines without sacrificing quality
We will also consider candidates who don’t have financial services experience but have strong technology background and analytical skills
Self-starter; comfort dealing with ambiguity

Benefits

Comp & perks

A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported.
Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security.
Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage.
Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace.

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Hard Skills & Tools

Data AnalyticsMachine Learning ModelsA/B TestingStatistical ProceduresFinancial Analytic ToolsSegmentation AnalysisRoot-Cause AnalysisPerformance OptimizationRisk ManagementConsumer Lending Analysis

Soft Skills

Analytical Problem-SolvingStrong CommunicationCuriosityOwnershipSelf-Starter