Risk Analyst
Core
Review and assess financial risk of new and existing customers to make underwriting decisions based on policy guidelines.
Role type
Senior IC underwriter (financial services/fintech)
Builds
Customer credit decisions and risk portfolio management for a fleet management SaaS platform
Domain
Financial services / Fintech / Risk Management
Deliverable
production ML models | product features | dashboards & analysis | client delivery
Required skills
Financial statement analysis, bank statement analysis, credit report analysis, risk ratio analysis, policy guideline application, portfolio management, regulatory compliance knowledge (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act), quantitative and qualitative analysis
Preferred skills
Experience in high-growth payments or fintech, experience with financial spreading, ability to articulate creditworthiness determinations
Technologies
None explicitly stated
Responsibilities
Collect and analyze applicants' financial, demographic, and historic information; communicate with clients and sales regarding application status; determine approval, decline, or exception status for applications; perform portfolio management to identify suspicious items; recommend policy and process improvements; conduct bank statement analysis and financial spreading culminating in underwriting memos
Seniority
Mid-level, hands-on IC