Risk Analyst
Core
Apply advanced analytics to credit risk, underwriting, and portfolio management in a fintech environment to support new-account decisions and ongoing risk monitoring.
Role type
Senior IC Risk Analyst (Credit & Data)
Builds
Dashboards, analytical tools, monitoring frameworks, and models for underwriting, fraud detection, and portfolio profitability.
Domain
Financial Technology / Credit Risk / Small Business Lending
Deliverable
production ML models | dashboards & analysis
Required skills
SQL, Python or R, credit underwriting principles, small-business financial analysis, interpreting financial statements (P&L, balance sheets, tax returns), credit bureau data interpretation
Preferred skills
SAS, experience in fintech/credit cards/SMB lending, behavioral segmentation, portfolio analysis
Technologies
SQL, Python, R, SAS
Responsibilities
Analyze applicant financial and behavioral data to support automated and manual credit underwriting decisions; Develop dashboards and monitoring frameworks for real-time risk signals and fraud detection; Monitor existing customer accounts to analyze spending, payment behavior, and creditworthiness; Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns; Investigate drivers of credit losses to improve portfolio margins and product economics; Analyze financial performance of unsecured credit products including interchange revenue and charge-offs.
Seniority
Senior, hands-on IC
