Credit/Pricing Analyst

The Credit Risk / Pricing Analyst supports the Risk Management team in analyzing portfolio performance, evaluating credit risk trends, and assisting with pricing and risk strategy decisions. This role focuses on data analysis, portfolio monitoring, and credit performance insights to support lending decisions and improve portfolio profitability.

This position is ideal for an analyst with 1.5–4 years of experience in credit risk, pricing analytics, or portfolio analytics, preferably in auto finance or consumer lending, who can quickly contribute to risk analysis and reporting initiatives.

This is an on-site, full-time role.

What You’ll Do

Portfolio & Credit Risk Analysis

• Analyze loan portfolio performance, including delinquency, roll rates, charge-offs, recoveries, and loss trends

• Identify emerging credit risks through trend analysis and segmentation of borrower and collateral data

• Assist with credit performance monitoring across risk tiers, dealer channels, and product types

Pricing & Profitability Analysis

• Support portfolio pricing and deal-level profitability analysis

• Analyze cash flows, expected loss, and yield metrics to evaluate portfolio performance

• Assist in identifying opportunities to optimize risk-adjusted returns

Data Analysis & Reporting

• Use Excel and SQL to analyze large loan-level datasets and generate reporting

• Develop and maintain portfolio performance dashboards and reporting

• Validate and reconcile data used in risk and pricing analysis

Risk Insights & Strategy Support

• Provide analytical support for credit policy decisions and portfolio management initiatives

• Partner with Risk, Finance, and Operations teams to translate data insights into actionable recommendations

• Assist in evaluating market trends and competitor lending strategies

What You Need

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Business Analytics, or related field

• 1.5–4 years of experience in:

  • Credit risk analytics

  • Portfolio analytics

  • Pricing analytics

  • Consumer lending analytics

• Strong experience using Excel for data analysis

  • Pivot tables

  • Advanced formulas

  • Data reconciliation

• Working knowledge of SQL

• Experience analyzing loan-level performance data

Preferred Skills

• Experience in auto finance or consumer lending

• Experience analyzing subprime or near-prime credit portfolios

• Familiarity with:

  • Delinquency metrics

  • Charge-off analysis

  • Loss forecasting

  • Credit policy performance

• Experience with Python, R, Tableau, or Power BI

• Statistical or econometric coursework

What We Offer You

• Competitive Salary
• Health Insurance (medical, dental, and vision)
• 401 (k) Retirement Plan
• Performance Bonus
• Unaccrued PTO
• Incentive Stock Options
• Collaborative Work Environment

Salary : $65,000 - $80,000