Credit Risk Analyst

About the Role

Ready to shape how we take smart risk while expanding access to credit?

As a Credit Risk Analyst, you’ll help design and refine the credit strategies that sit at the heart of our business. You’ll dig into approval rates, loss outcomes, and portfolio trends across segments and vintages, then turn those insights into recommendations on credit policy, decisioning rules, pricing, and terms that balance growth with disciplined risk management.

Working in a modern fintech environment, you’ll monitor model and scorecard performance, support scenario and tradeoff analysis, and deliver insights that inform credit strategy. This role offers the chance to build deep expertise in consumer lending risk while helping more customers access responsible, transparent financing for the auto repairs and essentials they depend on.

What You Will Do

Credit Policy & Decisioning Analytics

* Analyze credit policy performance including approval rates, decision distributions, and cutoff effectiveness. * Support evaluation of credit strategy metrics and tiering strategies. * Monitor automated decisioning rules and identify opportunities for optimization. * Provide analytical support for policy changes, limit adjustments, and offer structure refinements.

Portfolio Credit Performance Monitoring

* Produce recurring credit performance reporting across segments, tiers, and vintages. * Track origination quality metrics, early payment defaults, and delinquency emergence by cohort. * Analyze credit attribute distributions, score migrations, and performance vs. expectations. * Maintain dashboards and scorecards that support internal decision-making and investor/capital partner reporting.

Approval Rate & Loss Tradeoff Analysis

* Model tradeoffs between approval rates, expected loss rates, and portfolio yield. * Conduct segment-level profitability analysis to inform risk appetite decisions. * Support scenario analysis and simulation framewo...