Senior Credit Risk Analyst

About the role

K-Dimensional Holdings Inc. dba Coast is seeking a New Senior Credit Risk Analyst for our New York location.

Job Duties

• Analyze internal and external data—including credit bureau, financial, transactional, and application data—to support and refine credit risk policies for underwriting, credit line adjustments, and account-level decisioning
• Help create best-in-class credit policies and risk management infrastructure
• Design and manage data reporting frameworks related to credit risk and fraud by partnering with data engineers and analytics teams
• Contribute to the automation and optimization of credit risk operations by building decision frameworks and supporting risk modeling
• Conduct data-driven investigations into potential fraud incidents such as identity theft or account takeovers
• Perform root cause analysis to improve predictive capabilities for credit defaults and risk exposures
• Collaborate cross-functionally with product, finance, legal, operations, sales, and marketing to develop and implement credit-related strategies and policies
• May telecommute within a reasonable commuting distance from the New York office

Education and Experience

Bachelor's degree in Finance, Economics, Statistics, Applied Mathematics, Computer Science, Data Science, Business Administration, Engineering, Actuarial Science, Information Systems, or Management Science and 2 years in credit risk analysis or related occupation within consumer or small and medium enterprise (SME) lending.

Required Background

• Deploying SQL and Python
• MS Office applications
• Root cause and statistical analysis related to credit defaults and risk exposures
• Building and maintaining data pipelines, utilizing SQL and Python, that includes data cleansing, wrangling, visualization, modeling, and interpretation related to credit risk and fraud
• dbt for data modeling and transformation related to credit risk and fraud
• Working with APIs
• Designing and managing data reporting frameworks related to credit risk and fraud
• Creating underwriting and risk management strategies
• Investigating and evaluating efficiency of risk management policies, procedures, and processes
• Partnering with cross-functional teams to execute credit policies, improve operational tooling, and shape the risk management infrastructure

Location

New York, NY (May telecommute within a reasonable commuting distance from the New York office)

Pay

$90,000 to $140,000 per year

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