JOB SUMMARY: Responsible for developing credit and pricing strategies through sophisticated analytical methods for consumer and commercial lending portfolios. Manage end-to-end engagements from conception to analytics and subsequent rollout. Supports business verticals in optimizing approval rates, take rates, and unit economics, through development and implementation of innovative credit and pricing strategies.

ESSENTIAL JOB FUNCTIONS:

• Lead key channels from risk perspective and conduct sophisticated analytics to build best-in-class credit and pricing strategies for unsecured credit portfolios. These strategies will enable real-time lending decisions for hundreds of thousands of borrowers every month.

• Work with finance, capital markets team, lenders, and institutional investors to provide update on credit performance and deliver targeted risk adjusted returns.
• Leverage multiple complex data sources such as credit bureau information, customer supplied information, and alternative data sources at large scale to build sophisticated credit and verification strategies.

• Collaborate with internal engineering and operations teams to implement analytical solutions into production.
• Lead teams to diagnose credit performance trends, and drive loss mitigation and pricing decisions, enabling swift business decisions.
• Collaborate with internal engineering and product teams to implement analytical solutions into production.

MINIMUM QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge, skill, and/or ability required.

• Bachelor’s in a quantitative field (e.g., Mathematics, Data Science, Statistics, Economics, Finance, etc.) preferred.
• Master’s degree is a plus.
• 10 years of credit risk management experience.
• Experience working in a Bank or FinTech organization is preferred.
• Deep knowledge of consumer credit risk trends and credit risk and/or pricing analytics.
• Strong statistical and analytical skills with prior experience leveraging large and complex datasets for driving business decisions.

• Proficient in MS Office Suite.
  • Advanced in Excel and PowerPoint.

COMPETENCIES:

• Customer Service: Exceptional attitude and a passion for providing outstanding service to external customers, vendors and investors.
• Attention to Detail: Diligently attends to details and pursues quality in accomplishing tasks.
• Communications: Exhibits good listening and comprehension. Expresses ideas and thoughts in verbal and written form. Strong presentation skills.
• Analytical Skills: Proven capacity to extract and manipulate large datasets in an efficient manner.
• Teamwork: Exceptional skills in collaborative teamwork, attention to detail, and strong interpersonal skills.
• Organizational Skills: Capable of creating, maintaining, and analyzing various datasets, multitasking, and overseeing and delivering various simultaneous projects with differing requirements.
• Problem Solving: Strong decision making and problem-solving skills and a can-do approach to issues.

SUPERVISORY RESPONSIBILITYThis position is responsible for the direct supervision of designated employees in the Risk department.

PHYSICAL DEMANDSWhile performing the duties of this job, the employee is regularly required to stand, walk, reach and sit for a minimum of 8 hours with or without reasonable accommodation. The employee is required to use hands to finger, handle, or feel objects and/or tools. The employee is required to talk or hear with or without reasonable accommodation and must sometimes lift and move up to 10 pounds.

WORK ENVIRONMENTWhile performing the logistics duties of this job, the employee is frequently exposed to moderate noises such as computers, printers, and other light traffic noise in an office setting.

This role is in-office. Remote work may be performed from a pre-approved location, as arranged, and scheduled by team management and approved by department leadership.

OTHER DUTIESPlease note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change or be supplemented at any time with or without notice.