Credit Risk Analyst (Sr level open)

2 hours, 6 minutes ago
Full-time
Senior
Data Science and Analytics
Prosper

Prosper

Prosper is an online marketplace lending platform that connects borrowers with lenders, offering personal loans, credit cards, and home equity options. With a focus on financial education, Prosper helps individuals manage their finances and achieve pea...

Banks
251-1K
Founded 2005
$490M raised

Description

  • Develop credit strategies that improve credit performance using data, machine learning models, and advanced analytics.
  • Lead end-to-end risk and analytics strategy for Prosper's Credit Card product, from pre-launch through portfolio optimization.
  • Own underwriting policies, pricing strategies, credit line strategies, and acquisition frameworks that balance growth and risk.
  • Design A/B tests and evaluate risk-return trade-offs to inform strategy decisions.
  • Partner with Product, Marketing, and Engineering teams to implement strategies and monitor performance.
  • Test new data sources, analytics approaches, and models to continue improving risk strategies.
  • Conduct ad hoc analyses related to risk management, investor services, product, and operations.
  • Analyze portfolio performance at a granular segment level and perform root-cause analysis to identify key drivers.
  • Communicate findings and recommendations to the Risk Management team and broader Prosper organization.

Requirements

  • Bachelor's degree with 2+ years of relevant experience for Analyst level, or 5+ years of working experience for Sr. Analyst level.
  • Master's degree with 3+ years of working experience for Sr. Analyst level, or less experience for Analyst level.
  • Degree in Business, Statistics, Mathematics, Computer Science, Engineering, or Economics is preferred.
  • Experience managing credit risk, fraud risk, or data science in consumer lending.
  • Consumer credit card experience is a plus.
  • Experience with product launches, new portfolio buildout, or go-to-market analytics is a plus.
  • Experience using machine learning and statistical models to develop strategies.
  • Strong proficiency in SQL, Python, and Tableau.
  • Knowledge of R and Knowledge Seeker is a plus.
  • Fiserv and/or FICO fraud tool experience is a plus.
  • Strong communication skills for explaining technical subject matter to team members and senior management.
  • Knowledge and experience with segmentation, statistical procedures, and financial analytic tools.
  • Ability to work in a fast-paced environment, meet deadlines, and collaborate cross-functionally.

Benefits

  • Remote work within the United States.
  • Flexible time off.
  • Comprehensive health coverage.
  • Competitive salary with bonus and generous benefits.
  • Paid parental leave.
  • Udemy access for professional development.
  • Childcare assistance.
  • Pet insurance discounts, legal assistance, and additional discounts through Perkspot.

Interested in this position?

Apply directly on the company website

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