Staff Credit Risk Strategy Analyst

One out of every two small businesses fails within their first five years, and most often, it's because they run out of cash. At QuickBooks Capital, our mission is to make a real impact on that statistic. We provide small businesses with the capital they need, precisely when they need it, by leveraging the power of data within QuickBooks for faster and smarter decision-making. This way, our customers never again have to worry about missing a payroll or saying no to a growth opportunity. That's how we power prosperity.

We are a nimble, high-priority, and rapidly growing startup within Intuit. We are reinventing small business lending and are looking for top talent to join our innovative and fun team. If you thrive on new challenges and enjoy

 cracking tough problems in a fast-paced environment, we encourage you to apply.

 As a Senior Credit Analyst at QuickBooks Capital, you will play a vital role in helping our business grow. You will be a key contributor to our credit strategy, focusing on underwriting and account management policies for our lending products. Your work will directly influence our ability to provide value to our customers while driving business growth and meeting our P&L goals.

Responsibilities

Develop complex credit strategy proposals for front end credit risk management. Use data-driven storytelling to build compelling cases and persuade diverse audiences.
 * Apply strong analytical and strategic thinking skills to build sound assumptions, validate hypotheses, and structure proposals within a clear, logical framework.
 * Manage and monitor policy and portfolio performance, extracting meaningful insights and preparing reports that drive alignment and action among stakeholders and senior leadership.
 * Foster an innovative mindset by continuously identifying opportunities in credit, product experience, customer targeting, and beyond; to drive growth and simplify processes.
* Demonstrate ownership and leadership by collaborating with cross-functional partners (product development, product management, marketing, data engineering, compliance, underwriting, etc.) to design new products and expand market share.
* Influence and align cross-functional teams to transform ideas into tangible business outcomes.
 * Work closely with data science, underwriting, and data engineering teams to enhance customer segmentation, develop innovative credit strategies, and conduct portfolio analyses.
 * Leverage big data technologies to analyze large-scale transactional data, turning insights into actionable opportunities for credit risk management and business growth.
* Design, implement, and monitor tests to explore new methodologies, measure key metrics, and refine acquisition strategies and credit policies.

Qualifications

 Education: MS/PhD in quantitative fields such as Statistics, Operational Research, Industry Engineering, Economics etc. Or Bachelor Degree in same fields with 4 years working experience
* Experience: 4 years of professional experience in an analytics-related role is required. Lending or Fintech experience is strongly preferred.
 * Technical Skills: You must be proficient in one of the following analytical tools: Python, R, or SQL.
 * Advanced Excel skills and strong relational database query skills are also a must. Familiarity with big data technologies like HIVE or Hadoop is a plus.
 * Domain Knowledge: Strong knowledge of credit risk-related concepts, including credit bureau attributes, scorecard modeling, loss forecasting, and fraud detection.
* Soft Skills: Excellent communication skills, a proven ability to dive into data, and a passion for finding business opportunities. You should be results-driven and thrive in a fast-paced environment.
 * Mindset: You should have a track record of taking full ownership of your work, proactively seeking solutions, and collaborating effectively with a team.

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is: