What are the responsibilities and job description for the Senior Credit Risk Analyst position at Harnham?
Senior Credit Risk Analyst – Acquisition Strategy & Underwriting
📍 Wilmington, DE (Hybrid)
💲 $120,000 – $130,000 Bonus Benefits
Drive Smarter Credit Decisions in a High-Growth Fintech
Join a fast-growing fintech that’s redefining how consumers access credit through innovative, data-driven lending.
As a Senior Credit Risk Analyst, you’ll take a leading role in shaping how new customers are acquired and underwritten — blending analytics, strategy, and commercial judgment to fuel sustainable growth.
This is a chance to make a measurable impact on credit policy and portfolio performance within a company where your insights directly influence outcomes.
The Opportunity
You’ll own analytics and strategy across the early stages of the credit lifecycle — from acquisition through underwriting and policy optimization.
In this role, you will:
- Design, test, and optimize acquisition and underwriting strategies that balance growth with credit quality.
- Use SQL and Python to analyze portfolio trends and uncover performance insights.
- Partner with data science, product, and finance teams to bring analytical ideas into production.
- Monitor credit metrics, detect early signals of change, and adjust policy frameworks proactively.
- Contribute to the evolution of credit governance and measurement standards.
What You Bring
- 2–4 years of experience in credit risk, strategy, or portfolio analytics (cards, personal loans, or consumer lending preferred).
- Technical proficiency in SQL (Python or R a plus).
- Deep understanding of credit policy, underwriting, and acquisition strategy.
- Ability to translate complex data into actionable, commercially sound recommendations.
- Strong communication and stakeholder influence skills.
Why Join?
- High-impact role in a mission-driven fintech with big growth ambitions.
- Exposure to senior leadership and visibility across the full credit lifecycle.
- Competitive compensation, performance bonus, and long-term career growth.
- Collaborative, innovative culture where data drives every decision.
📩 Ready to help shape the strategy behind the next generation of lending?
Apply now to join a team where analytics meet innovation.
Salary : $120,000 - $130,000
