You will

• Analyze credit reports, trade-line data, application data, and past loan performance to make recommendations on changes to eligibility and credit underwriting.
• Prepare detailed credit strategies and present findings to senior management, highlighting key risk factors and recommendations.
• Monitor and manage the credit portfolio, conducting ongoing reviews and identifying early warning signs of credit deterioration.
• Collaborate with cross-functional teams, such as sales, operations, and legal, to gather necessary information and ensure a smooth and efficient underwriting process.
• Perform industry and market research to identify trends, potential risks, and opportunities, providing insights to optimize lending strategies.
• Stay up to date with industry regulations, compliance requirements, and best practices in credit analysis to ensure compliance and drive continuous improvement.

You have

• Bachelor’s degree in Finance, Economics, Statistics, or a related field. A master’s degree is a plus.
• Prior experience as a credit/risk analyst in the lending industry, preferably in a start-up and financial services environment.
• Strong analytical and financial modeling skills, with the ability to interpret complex financial data and draw actionable insights.
• Strong Excel and SQL skills, proficiency in open-source programming languages such as Python and/or R is a plus
• Proficiency in using credit scoring models, financial analysis tools, and Google Suite.
• Solid understanding of lending principles, credit risk assessment, and regulatory frameworks.
• Excellent attention to detail, time management, and organizational skills to handle multiple tasks and meet deadlines.
• Strong communication and interpersonal skills to collaborate effectively with cross-functional teams and communicate complex credit information in a clear and concise manner.