Senior Data Analyst, Credit Risk

About This Role

This role involves working on the Credit Risk team, focusing on launching new lending products and optimizing loss rates for existing portfolios. You will be responsible for developing and iterating credit policies, applying analytical tools to validate risk models, and collaborating with cross-functional teams to implement new credit risk initiatives.

Responsibilities

• Underwrite, manage risk, and monitor performance of various lending products, specifically installment loans
• Develop credit policies and continuously iterate to improve credit product approval criteria and line assignment strategies
• Design, develop, test, refactor, and scale backend implementation of new and existing risk strategies for consumer credit products
• Devise and apply various analytical tools and techniques to validate risk models and strategies
• Leverage external and internal Chime data to build credit models and policies in partnership with the Data Science team
• Collaborate with various data teams to build data infrastructure and establish reporting dashboards to understand credit risk trends and exposures
• Collaborate with cross-functional teams (product, finance, legal, compliance, marketing, engineering) to assess and implement new credit risk initiatives

Requirements

• 4+ years of analytical experience
• 2+ years of experience in a Credit Risk or related roles
• Advanced SQL skills
• Advanced Microsoft Excel skills
• Exceptional detail-orientation and organizational skills
• Drive to work in a fast-paced environment and exceed ambitions deadlines while ensuring flawless completion

Qualifications

• Bachelor's or Master's degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics is preferred
• 4+ years of analytical experience, preferably at a FinTech company; 2+ years of experience in a Credit Risk or related roles

Nice to Have

• FinTech company experience
• Python experience
• Bachelor's or Master's degree in engineering, statistics, math, or economics

Skills

* Required skills

Benefits