Director, Credit Risk Analytics

1 hour, 32 minutes ago
Full-time
Executive
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 and optimize underwriting, portfolio credit, pricing, credit-line, and fraud-risk strategies using data, machine learning, and advanced analytics.
  • Own the end-to-end credit risk management lifecycle and monitor strategy performance and credit quality.
  • Analyze credit performance at granular segment levels to identify drivers, trends, and required strategy changes.
  • Translate complex analyses into actionable recommendations for executive leadership and the Credit Risk Committee.
  • Communicate credit performance and strategy insights clearly to investors and external stakeholders.
  • Partner with Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering teams to implement and monitor strategies.
  • Ensure credit losses remain within the company’s defined risk appetite.
  • Evaluate new products, vendors, alternative data sources, and emerging technologies, and develop business cases for adoption.
  • Lead, develop, and mentor a high-performing credit risk analytics team.

Requirements

  • Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related field.
  • 10+ years of credit risk management experience within Credit Card businesses.
  • Deep knowledge of credit management and strong business acumen.
  • 5+ years of people leadership experience, including developing and mentoring high-performing teams.
  • Experience developing credit strategies and automated credit decisioning frameworks using data, machine learning, or advanced analytics.
  • Strong thought leadership and ability to build and improve structured credit strategy frameworks.
  • Exceptional written and verbal communication skills, including explaining technical analyses to senior leaders, partners, and external stakeholders.
  • Ability to work effectively in a fast-paced environment, meet deadlines, and address unfamiliar topics with clarity and confidence.
  • Collaborative, agile, and business-owner mindset with strong cross-functional partnership skills.

Benefits

  • Competitive salary and 401(k) with a 5% company match.
  • Flexible work options, including San Francisco or Phoenix offices and fully remote work.
  • Flexible time off, paid parental leave, annual wellness allowance, and comprehensive health coverage.
  • Udemy access, childcare assistance, pet insurance, and additional discounts through Beneplace.
  • Digital-first tools and a collaborative, connected work environment.
  • Green card sponsorship available for qualified non-U.S. citizens.

Interested in this position?

Apply directly on the company website

Apply Now

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