Lead Analyst - Credit Risk Management
Core
Leads analysis and design of credit strategies, business processes, and decisioning frameworks to mitigate credit & fraud risk across digital and assisted sales flows.
Role type
Senior IC credit risk analyst
Builds
Credit decisioning frameworks, eligibility rules, identity verification strategies, and account-level controls
Domain
Financial services / Credit risk management
Deliverable
production ML models | product features
Required skills
SQL, Python, Alteryx, credit policy translation, process gap identification, champion/challenger testing, scenario analysis, success metric definition, data-driven storytelling, requirements development, UAT, post-launch monitoring
Preferred skills
Cross-functional collaboration, stakeholder alignment, QA practices
Technologies
SQL, Python, Alteryx
Responsibilities
Lead analysis and design of existing and new credit strategies and business processes; Translate credit policies into business rules, system logic, and technical requirements; Design and document credit decisioning frameworks including eligibility rules and identity verification; Identify and remediate process gaps and execution risks impacting credit outcomes; Lead business intelligence analysis using SQL, Python, and Alteryx; Extract signals and signatures from data to understand credit & fraud risk behaviors; Conduct champion/challenger testing, simulations, and scenario analysis to optimize credit strategies; Identify and define success metrics and establish plans to track and measure them; Make recommendations on risk mitigation and work with partners to implement change; Lead development of requirements and end-to-end execution for new credit & fraud risk initiatives; Create proposed credit decision frameworks and future state design; Facilitate collaborative working sessions with internal stakeholders to implement initiatives or remediate practices; Diagnose, correct, and document issues, risks, and problems using QA practices.
Seniority
Senior, hands-on IC
