Own credit portfolio performance analysis across our lending products, identifying emerging trends, risks, and opportunities to improve portfolio outcomes.
Develop and refine credit strategies that balance growth, risk management, and customer experience.
Lead deep analytical investigations into portfolio performance, underwriting outcomes, and borrower behavior to inform strategic decisions.
Partner closely with Data Science to guide the development and implementation of predictive models and risk frameworks.
Collaborate with Product and Engineering teams to translate credit strategy into scalable underwriting policies, automated decisioning, and platform capabilities.
Present strategic insights and recommendations to executive leadership, internal Credit Committee, and external lending partners.
Design and enhance analytical tools, dashboards, and reporting frameworks to improve visibility into key credit and portfolio metrics.
Influence company-wide risk strategy by providing expert perspective on underwriting policies, portfolio management, and credit expansion opportunities.

Requirements

8–12+ years of experience in credit risk, lending analytics, or credit strategy within fintech, consumer lending, or financial services.
Strong expertise in credit portfolio analytics, underwriting strategy, and risk management.
Advanced experience working with large datasets and statistical analysis using SQL and Python.
Experience partnering with data science teams on predictive modeling, machine learning, or risk model development.
Proven ability to translate complex analysis into clear strategic recommendations for senior leadership.
Strong cross-functional collaboration skills and ability to influence stakeholders without direct authority.
Bachelor’s degree in a quantitative field (e.g., mathematics, statistics, economics, engineering, finance).
Advanced degree (Master’s or PhD) preferred.

Benefits

Fully remote work freedom
Competitive salary packages
Flexible PTO + 9 company holidays
Equity: Share in our start-up success
Comprehensive and affordable insurance benefits
Paid parental leave for both caregivers
Essential equipment to get the job done
401(k) for your future savings
Quarterly meet-ups: In person & virtual fun
Awesome Splash swag to flaunt your team spirit

Applicant Tracking System Keywords

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

Hard Skills & Tools

credit portfolio analyticsunderwriting strategyrisk managementstatistical analysisSQLPythonpredictive modelingmachine learningdata analysisanalytical tools

Soft Skills

cross-functional collaborationinfluencing stakeholdersstrategic recommendationsanalytical investigationcommunicationleadershipproblem-solvingcustomer experience focusrisk assessmentdecision-making

Certifications

Bachelor’s degreeMaster’s degreePhD