Analyst II, Credit Risk

Employer Industry: Consumer Finance

• Salary up to $190,000 per year
• Opportunity for career advancement and growth within a rapidly expanding company
• Flexible work environment with the option to work remotely from almost anywhere in the U.S.
• Comprehensive benefits package, including 100% subsidized medical coverage for you and your dependents
• Generous stipends for technology, food, and lifestyle needs
• Employee stock purchase plan allowing you to buy shares at a discount

• Leverage experimentation and advanced data analytics to derive insights and optimize credit underwriting strategies
• Determine and optimize purchasing power to balance risk and growth, ensuring healthy user engagement
• Play a pivotal role in underwriting cost‑saving measures, managing risk, and improving profitability
• Support the launch of new products by designing and implementing effective credit strategies
• Collaborate with Machine Learning and Engineering teams to build robust credit risk capabilities

• Minimum of 2 years of work experience as a data analyst or data scientist, preferably in consumer credit risk management
• Proficiency in SQL and Python, or other scripting languages; experience with Spark is a plus
• Strong ability to collaborate and influence across different teams within the organization
• Excellent communication skills to convey findings and recommendations to both technical and non‑technical audiences
• Bachelor's degree in a related field or equivalent practical experience

• Experience or knowledge of Machine Learning techniques
• A strong curiosity and passion for learning new concepts and thinking innovatively
• Demonstrated ability to manage multiple responsibilities and adapt to changing priorities
• A track record of using data insights to drive impactful changes in business strategies

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