Credit Risk Analyst

We’re looking for a motivated and analytically minded Credit Risk Analyst to join our team supporting credit decisioning, pricing strategy, and portfolio performance for our rapidly growing auto-finance business. In this role, you’ll work with credit data, performance trends, and pricing models to help shape decisions that balance growth, risk, and profitability. This is a hands-on role with strong visibility across underwriting, tech, finance, and analytics teams, perfect for someone eager to deepen their expertise in credit risk, consumer lending, and risk-based pricing. Success in this role requires a team-oriented, “how can I help” mindset, flexibility during high-demand periods, and a willingness to dive into both recurring responsibilities and creative problem-solving as needs evolve in our fast-paced, collaborative environment.

What You’ll Do

• Analyze credit application data, bureau attributes, and internal performance metrics to identify risk patterns and recommend credit policy adjustments.
• Support the development, calibration, and monitoring of pricing models that optimize originations volume, expected losses, and yield.
• Evaluate risk-adjusted profitability across segments, channels, dealers, and credit tiers
• Conduct competitive pricing analysis and monitor market trends in subprime auto lending
• Partner with underwriting, finance, technology, and data science teams to refine credit scorecards, decision rules, and pricing strategies.
• Monitor early-stage delinquency, loss trends, and vintage performance to identify emerging risks
• Prepare clear, data-driven presentations for senior leadership on credit performance, pricing impacts, and strategic recommendations.
• Assist in stress testing, scenario modeling, and forecasting for credit and pricing initiatives.
  
  

Are You A Fit?

What You Need

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or related field.
• 2 years’ experience in auto finance or consumer lending
• Productive in SQL and database architecture. R or Python a plus.
• Ability to work on multiple projects and prioritize daily workload.
• High-level verbal and written communication skills.
• Detail-oriented and inquisitive.
• Creative, entrepreneurial, and a problem solver.
  
  

Preferred Skills

• Experience in the auto finance industry
• Strong programming capabilities
• Statistical background and knowledge
• Familiarity with credit bureau data, segmentation, and scorecard-based decisioning.
• Exposure to pricing analytics or risk-based pricing frameworks
  
  

Physical Requirements

• Sitting for long periods of time.
• Staring at a computer screen for extended periods of time.
  
  

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