Credit Risk Analyst

About the role

Ready to shape how we take smart risk while expanding access to credit?
As a Credit Risk Analyst, you’ll help design and refine the credit strategies that sit at the heart of our business. You’ll dig into approval rates, loss outcomes, and portfolio trends across segments and vintages, then turn those insights into recommendations on credit policy, decisioning rules, pricing, and terms that balance growth with disciplined risk management.
Working in a modern fintech environment, you’ll monitor model and scorecard performance, support scenario and tradeoff analysis, and deliver insights that inform credit strategy. This role offers the chance to build deep expertise in consumer lending risk while helping more customers access responsible, transparent financing for the auto repairs and essentials they depend on.

Responsibilities

• Analyze credit policy performance including approval rates, decision distributions, and cutoff effectiveness.
• Support evaluation of credit strategy metrics and tiering strategies.
• Maintain dashboards and scorecards that support internal decision-making and investor/capital partner reporting.
• Model tradeoffs between approval rates, expected loss rates, and portfolio yield.
• Support investor and board reporting with transparent loan-level data and performance analytics.
• Engage with technology teams on data access, decisioning platform enhancements, and reporting infrastructure.

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or related quantitative field.
• Minimum 3–5 years of experience in credit risk analytics, underwriting analytics, or portfolio analytics (consumer lending preferred).
• Demonstrated experience using SQL and Python (or R) in a professional analytics environment.
• Experience with credit policy analysis, approval rate monitoring, vintage analysis, or loss forecasting.
• Exposure to decisioning platforms, credit bureaus, or underwriting systems.
• Strong understanding of consumer lending products, credit risk metrics, and underwriting workflows.
• Experience with credit scorecards, model performance monitoring, or model validation support.
• Experience designing or evaluating A/B tests or controlled experiments.

Benefits

• Flexible PTO
• 12 Paid Holidays
• Up to 80% Employer-Paid Premiums for Medical, Dental and Vision Insurance
• Long-term Disability Insurance
• Paid Parental Leave
• Matching 401K

Pay

The salary range for this position is $72,000 - $90,000 a year. DigniFi salary ranges are determined by role, level, and location. The salary range displayed in each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Please note, the base pay offered may vary within the range depending on a wide array of factors including but not limited to work location, job-related knowledge/skills, relevant education/training, and level of experience. Please note that the compensation details listed in postings reflect the base salary only, and do not include bonuses or benefits.

Schedule

This position is remote.