Sr. Credit Risk Analyst

1 month, 2 weeks 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 and fraud strategies to improve credit performance and optimize risk decisions using data, machine learning models, and advanced analytics.
  • Bring innovative thinking to recommendations and problem-solving approaches.
  • Design A/B tests and evaluate the trade-offs between risk performance and customer experience.
  • Test new data sources, analytics approaches, and models to continuously improve risk strategies.
  • Partner with Data Science, Product, Engineering, and other teams to implement credit and fraud prevention strategies.
  • Test and validate performance before and after strategy changes.
  • 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 perform root-cause analysis to determine key performance drivers.
  • Communicate findings and recommendations to Risk Management and broader stakeholders.

Requirements

  • Bachelor’s or Master’s degree in Business, Statistics, Mathematics, Computer Science, Engineering, or Economics.
  • 3+ years of experience with a Master’s degree or 5+ years of experience with a Bachelor’s degree in credit risk, fraud, or data science in the consumer lending industry.
  • Consumer personal loan or credit card experience is a plus.
  • Strong analytical and problem-solving skills.
  • Strong proficiency in SQL and Python.
  • Experience with DBT and Looker is a plus.
  • Knowledge and experience with segmentation, statistical procedures, and financial analytic tools.
  • Strong communication skills with the ability to explain technical topics clearly and succinctly to team members and senior management.
  • Technology background and analytical skills may be considered in place of financial services experience.
  • Self-starter with comfort operating in ambiguity.
  • Ability to work in a fast-paced environment and meet deadlines without sacrificing quality.

Benefits

  • Competitive salary.
  • 401(k) with a 5% company match.
  • Flexible time off.
  • Paid parental leave.
  • Annual wellness allowance.
  • Comprehensive health coverage.
  • Remote work option, including fully remote team member arrangements.
  • Professional and personal growth perks, including Udemy access, childcare assistance, pet insurance, and Beneplace savings.

Interested in this position?

Apply directly on the company website

Apply Now

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