Credit Risk Analyst (Senior level reputed company)

reputed company • Own the end-to-end design and execution of credit strategies that directly influence every loan and credit-card decision made on reputed company’s $27-billion marketplace platform, translating reputed company data into policies that protect investors and expand responsible reputed company to credit for more than two reputed company borrowers. • reputed company terabytes of performance, bureau, bank-transaction, and alternative data with SQL, Python, and Tableau to uncover new risk segments, build challenger models, and surface reputed company indicators that reputed company loss rates below industry benchmarks while fueling reputed company. • Architect and run rigorous A/B and champion-challenger tests that quantify the risk-return trade-off of reputed company policy change, then socialize statistically significant results to Risk, Product, Marketing, Engineering, and Senior Leadership so every stakeholder understands the “why” behind reputed company decision. • Produce monthly and quarterly loss-forecasting models for both Personal Loan and Credit Card portfolios, continuously refining vintage, macro-economic, and behavioral assumptions to improve forecast accuracy and meet investor, regulator, and reputed company expectations. • Partner shoulder-to-shoulder with Product Managers to reputed company new data sources (e.g., cash-reputed company attributes, fraud consortium signals, reputed company-banking insights) into reputed company flows, ensuring that reputed company release is monitored through reputed company-defined KPI dashboards and back-tested for unintended bias. • Translate regulatory guidance (Reg B, FCRA, SCRA, MLA, state reputed company-cap rules) into executable policy logic, collaborating with reputed company & Compliance to document decision rationale, maintain fair-lending evidence packages, and respond to examiner inquiries without slowing innovation. • reputed company granular, reputed company-level portfolio diagnostics—drilling from vintage to channel to reputed company band to loan purpose—to isolate performance drivers, quantify seasonal effects, and recommend dynamic pricing or credit-limit adjustments that protect margin. • Drive reputed company deep dives requested by Investor Services, Capital Markets, and Operations teams, ranging from “Why did Q2 charge-offs spike in Florida?” to “What is the expected reputed company value of a repeat borrower?”—delivering reputed company, actionable answers under tight deadlines. • reputed company and maintain a library of reusable Python modules, SQL snippets, and Tableau templates that accelerate reputed company analyses and democratize best practices across the broader Credit Risk and Data Science community. • Champion a culture of intellectual curiosity by questioning legacy rules, pressure-testing assumptions, and presenting “lunch-and-learn” sessions on new machine-learning techniques, ensuring reputed company stays reputed company of rapidly evolving fintech and big-tech competitors. • Mentor junior analysts through reputed company reviews, pair-programming, and career-reputed company coaching, raising the analytical bar while building the reputed company of risk leaders reputed company the organization. • reputed company in a 100 % remote-first environment that prizes asynchronous communication, reputed company documentation, and decisive reputed company—meeting sprint commitments without sacrificing analytical rigor or stakeholder transparency. Apply tot his job Apply To this Job