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Senior Credit Risk Analyst

Félix
Miami, USA
Full-time
Mid Level
Hybrid
Discovered 1 months ago

Full Job Posting

Responsibilities

  • Lending Portfolio Leadership: Act as the lead credit analytics owner for the SNPL team, serving as the source of truth for credit insights.
  • Executive Reporting: Own and deliver executive-level reporting regarding portfolio health, NPL (Non-Performing Loans) trends, and macroeconomic risk factors.
  • Financial Modeling: Own and continuously optimize valuation frameworks, vintage analysis, and Net Present Value (NPV) credit models.
  • Framework Architecture: Support, design, and build end-to-end credit analytics frameworks for SNPL and future digital credit products.
  • Acquisition Credit Policy: Direct and manage the Acquisition Credit Policy, optimizing approval rates while keeping default risk tightly within target bands.
  • Credit Monitoring & Surveillance: Maintain constant surveillance on credit distribution and reporting across multiple demographic cohorts.
  • Customer Management Policy: Build, test, and iterate on Customer Management Credit Policies (e.g., credit limit increases/decreases, re-engagement rules).
  • Model Integration & Testing: Partner with engineering to integrate new scoring models and champion-challenger testing mechanics directly into our production portfolio performance.
  • Alternative Data Exploration: Research, validate, and integrate external alternative data sources (e.g., bureau data, behavioral analytics) to enhance predictive models.

Requirements

  • Consumer Lending Pedigree: 4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending products.
  • Rigorous Analytics Toolkit: Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures).
  • Sharp Lending Judgment: Proven track record of evaluating and defining credit policies, understanding tradeoffs between growth volume and loss provisions.
  • AI/ML Familiarity: Experience working alongside data scientists to evaluate and integrate predictive ML credit scorecards.
  • Strong Communication: Ability to package complex portfolio metrics into clear, high-level executive summaries for the C-suite and investment partners.
  • Bias for Action: Thrives in an environment of rapid experimentation, moving fast to adjust credit strategies based on instant user behavior trends.
  • These are the applicable requisites, although equivalent competencies in any of the above will also be considered.

What We Offer

  • Competitive salary
  • Initial stock options grant
  • Annual performance bonus
  • Health, dental, and vision plans
  • Continuous learning opportunities
  • Unlimited PTO
  • Paid parental leave
  • Empowering opportunities for growth in a dynamic entrepreneurial environment

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