Credit Risk Analyst in United States at Jobgether

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Credit Risk Analyst based in the United States.

This role sits at the core of a modern consumer lending business, where data-driven decisioning directly shapes access to responsible credit. You will analyze credit performance across portfolios, segments, and vintages to uncover insights that guide underwriting strategy, pricing, and policy design. The work blends analytical rigor with real-world impact, helping balance growth objectives with disciplined risk management. You will evaluate approval rates, loss trends, and model performance while supporting ongoing optimization of credit decisioning systems. Operating in a fast-paced fintech environment, you will collaborate closely with teams across risk, finance, product, and technology. The role is highly cross-functional and ideal for someone who enjoys turning complex data into actionable credit strategy. Your work will ultimately help expand fair and transparent access to essential financing for everyday needs.

• Analyze credit policy performance, including approval rates, decisioning distributions, cutoff effectiveness, and tiering strategies.
• Monitor portfolio credit performance across segments, vintages, and cohorts, tracking delinquency, default trends, and origination quality.
• Conduct approval rate vs. loss tradeoff analysis to inform risk appetite, profitability, and underwriting strategy decisions.
• Support pricing and terms optimization by evaluating APR structures, fees, and product-level risk-adjusted returns.
• Monitor credit models and scorecards, including performance metrics such as Gini, KS, and rank-ordering stability.
• Assist in model validation, back-testing, and feature analysis to support ongoing model enhancements.
• Partner cross-functionally with finance, collections, fraud, and technology teams to ensure aligned metrics and data-driven decision-making.

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, or a related quantitative field.
• 3–5+ years of experience in credit risk analytics, underwriting analytics, or portfolio analytics (consumer lending strongly preferred).
• Strong proficiency in SQL and Python (or R) within a professional analytics environment.
• Experience with credit policy analysis, vintage analysis, approval rate monitoring, and/or loss forecasting.
• Familiarity with credit scorecards, model performance monitoring, and underwriting decisioning systems.
• Strong understanding of consumer lending products and key credit risk metrics.
• Experience supporting A/B testing, experiments, or scenario-based analysis is highly desirable.
• Excellent analytical thinking with the ability to translate data insights into actionable business recommendations.

• Competitive salary range of $72,000 – $90,000 annually
• Fully remote work environment across the United States
• Flexible paid time off (PTO) and 12 paid holidays
• Medical, dental, and vision insurance with up to 80% employer-paid premiums
• Paid parental leave
• Long-term disability and basic life insurance coverage
• Matching 401(k) retirement plan
• Collaborative, high-growth fintech environment with strong team culture
• Opportunity to directly impact financial access and responsible lending practices