Data Analyst, Credit Risk

May 24

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Current is a leading U.S. financial technology platform serving Americans working to create a better future.

Finance • Fintech • Money • Payments • Banking

51 - 200

💰 $40M Funding Round on 2018-01

Description

• Develop and maintain data-driven credit risk management frameworks for credit and lending products, including secured credit cards, liquidity products, and future credit offerings • Construct and optimize credit risk models throughout the credit lifecycle to achieve target risk-adjusted returns • Collaborate with internal stakeholders to write and refine credit policies/rules and procedures • Utilize internal, third-party, and credit bureau data to conduct in-depth analyses, identify gaps, mitigate losses, and support product growth • Drive data modeling requirements for analytics and data engineers • Build modular data models and dashboards in Looker for efficient and self-serve data analysis for the Banking team • Explore and build high value datasets to build credit reporting to generate actionable insights and uncover opportunities for the Credit/Banking team to succeed • Develop and own ongoing processes and reporting mechanisms for existing lending and liquidity products • Partner with Product and Engineering teams to validate and deploy rules and policies effectively

Requirements

• Bachelor’s degree in a quantitative field such as Finance, Economics, Mathematics, or Computer Science • 3+ years of experience in data analytics focusing on credit risk management, preferably with consumer credit cards, Buy Now Pay Later (BNPL) products, or unsecured consumer loans • 2+ years of experience building data models, reports and dashboards in BI tools • You are a SQL expert, used to working with complex data sets; converting business problems into SQL is something that comes with ease to you • Expertise in defining and building meaningful metrics and KPIs • Intermediate-level expertise in Python • Prior experience building risk policies, models, rules, and strategies for credit and lending products • Detailed knowledge of credit bureau data, bank statement transaction data, or alternative credit data providers • Experience within the startup space is advantageous • Strong communication, collaboration, and problem-solving skills • Familiarity with statistical analytics and building ML models • Excellent communication, requirement gathering and prioritization skills

Benefits

• Competitive salary • Stock options • 401(k) savings plan • Discretionary performance bonus program • Biannual performance reviews • Medical, Dental and Vision premiums covered at 100% for you and your dependents • Unlimited time off and paid holidays • Generous parental leave policy • Commuter benefits • Healthcare and Dependent care FSA benefit • Employee Assistance Programs focused on mental health • Healthcare advocacy program for all employees • Access to mental health apps • Team building activities • Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches