Credit Risk Analyst

About the role

The successful candidate will join Prosper’s Credit Risk team. The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in Prosper’s online marketplace. A Senior Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to develop verification and fraud strategies using models and data in order to manage credit decisions.

Responsibilities

• Develop credit and fraud strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions
• Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems
• Design A/B tests and understand the risk and customer experience trade-offs
• Continue to innovate by testing new data, analytics approaches and models
• Partner with Data Science, Product, Engineering and other partner teams to implement credit and fraud prevention strategies, test and validate pre and post performance
• Conduct ad-hoc analysis related to risk management, product, and operations
• Analyze portfolio performance at a granular segment level on an ongoing basis.
• Identify trends and conduct root-cause analysis to isolate key performance drivers. Communicate findings and recommendations to the Risk Management and broader Prosper community

Requirements

Bachelors degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics. 2+ years of experience with a Bachelors (or less with Masters) managing credit risk and/or fraud and/or data science in consumer lending industry, consumer personal loan / credit card experience is a plus

Skills

• Strong analytical and problem-solving skills
• Strong proficiency in SQL and Python, Experience with DBT and Looker will be a plus
• Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
• Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required
• Curious to ask questions, probe into reasons and challenge the status quo
• Strong ownership and motivation to drive business result
• Able to work in fast-paced environment and meet deadlines without sacrificing quality

Benefits

We will also consider candidates who don’t have financial services experience but have strong technology background and analytical skills

Pay

$122,000 - $140,000 a year

Schedule

Hybrid