Lead Analyst - Credit Risk Management

Core Responsibilities

Leads analysis and design of existing and new credit strategies and business processes that could span multiple areas of the organization, including Customer Operations, Sales Operations, Marketing, Training, Analytics, Finance and Legal.

Translates credit policies into business rules, system logic, and technical requirements across digital and assisted sales buy flows.

Designs and documents credit decisioning frameworks including eligibility rules, identity verification, deposit strategies, and account-level controls.

Identifies and remediates process gaps and execution risks impacting credit outcomes and customer experience.

Leads all business intelligence analysis using systems such as SQL, Python, and Alteryx.

Extracts signals and signatures from data and works to understand credit and fraud risk behaviors present within the data.

Conducts champion/challenger testing, simulations, and scenario analysis to optimize credit strategies.

Identifies and defines success metrics and establishes a plan to track, monitor, and measure the success of those metrics.

Communicates insights, trade-offs, and recommendations through data-driven storytelling for technical and business audiences.

Makes recommendations on how to mitigate and work with appropriate business partners to implement change.

Leads the development of requirements and end-to-end execution for new credit and fraud risk initiatives, including finalizing requirements, UAT, deployment, and post-launch monitoring.

Creates a proposed credit decision framework and future state design accounting for impacts to customers, employees, and existing business processes.

Facilitates collaborative working sessions with internal stakeholders to implement credit and fraud risk initiatives or to remediate existing practices that pose a credit and fraud risk concern.

Interacts closely with matrixed cross-functional teams (both field and corporate) in order to secure alignment.

Diagnoses, corrects, and documents issues, risks, and problems using Quality Assurance (QA) practices as necessary.

Qualifications

Requires a Bachelor's Degree.

7-10 years of relevant work experience.

Skills

• Finance
• Credit Processes
• Analytics

Benefits

• Medical, prescription, vision, and dental insurance
• 401(k) savings plan with dollar-for-dollar matching up to the first 6% of your pay
• Paid time off including eight observed company holidays and flex time
• Exclusive perks + discounts, including tuition assistance, commuter benefits and more!