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Credit Risk Analyst

  • Location


  • Sector:

    Financial Services and Banking

  • Job type:


  • Salary:


  • Contact:

    Sparsh Didwania

  • Contact email:

  • Salary high:


  • Salary low:


  • Published:

    about 1 month ago

  • Expiry date:


  • Startdate:


We have partnered with an exciting Digital banking FinTech that is hiring a highly motivated Credit Risk Analyst who will be responsible for supporting the development and management of the Credit Risk Strategies for the Unsecured Personal Loans product. Under supervision of the Credit Risk Manager, the Risk Analyst will assist in building, managing, and implementing credit strategies – including onboarding, verification, pricing and loan assignment, as well as test strategies across various marketing channels and loan purposes. The Risk Analyst must use domain knowledge and data driven recommendations to drive risk-controlled growth for the organization


  • Develop data driven credit underwriting strategies using a variety of traditional and alternate data sources
  • Manage credit strategy enhancements within area of responsibility and make compelling recommendations based on sound credit risk management principles, cost benefit analysis and customer experience
  • Develop policy and procedures for credit strategy execution, including controls to ensure intended execution of credit strategies
  • Partner with Marketing, Product, Operations and Technology teams to ensure smooth execution and all key control requirements are met
  • Develop analytical reports to track credit risk KRI’s and present insights to senior management
  • Develop a robust testing agenda to help optimize and expand the business
  • Partner with data science team to explore new approaches, tools, and data sources to support improvements to the credit strategies
  • Analyze credit bureau data to identify and derive attributes for credit risk decisions, to improve core performance metrics
  • Ensure that all credit strategies work align with Firms credit risk appetite
  • Ensure compliance with policies and requirements for all assigned responsibilities


  • Bachelor’s degree or equivalent in quantitative fields
  • 2-5 years of prior experience in consumer credit risk or similar quantitative role, preferably Unsecured Personal Loans
  • Proficient in Python, SQL, R for extracting data from large datasets and statistical analyses
  • Advanced skills in Microsoft Office, specifically Excel, PowerPoint, and Word
  • Experience with BI tools (ex. Tableau, Looker) for report development
  • Knowledge of credit bureau data, risk models and free cash flow calculations
  • Excellent analytical and problem-solving skills and ability to make sound and rational decisions with limited supervision
  • Exceptional verbal and written communication skills, 

You can apply by:

Selecting the “Apply” button below or by contacting me directly.

As a Fintech market specialist, I am partnered with a myriad of large and small Fintech Companies across the country. If this role is of interest to you, or if you are interested in exploring other opportunities within the market, you are welcome to reach out directly to:

Sparsh Didwania, or (619) 332-6398