Sr. Manager, Credit Risk Analytics

1 month ago
Full-time
Lead
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

  • Underwrite and oversee credit strategies and credit quality for the Personal Loan portfolios across the loan lifecycle.
  • Develop and enhance credit strategies using data, ML/AI models, and advanced analytics to improve credit performance and meet risk-return targets.
  • Own end-to-end credit management processes, monitor strategy performance, and recommend adjustments to support business growth while managing credit losses.
  • Partner with Product, Engineering, Marketing, Legal/Compliance, and other cross-functional teams to implement and operationalize credit strategies.
  • Design, execute, and evaluate A/B tests with a strong understanding of risk–return trade-offs and business impact.
  • Identify, evaluate, and build business cases for new vendors and alternative data sources.
  • Conduct ad-hoc analyses related to risk management, investor services, product, and operations to surface insights and drive decisions.
  • Analyze portfolio performance at granular segment levels to identify key performance drivers, emerging trends, and opportunities for efficiency or risk reduction.
  • Ensure credit strategies and policies comply with regulatory requirements and internal controls, and participate in credit loss forecasting and stress testing exercises.

Requirements

  • Master’s degree in Business, Statistics, Mathematics, Engineering, Economics, or a related field (preferred).
  • 8+ years of experience managing acquisition credit risk for Credit Card and Personal Loan businesses.
  • 3+ years of people leadership experience.
  • Proven domain expertise in credit management and strong business acumen.
  • Experience using ML/AI models and advanced analytics to develop or enhance credit strategies.
  • Experience designing and evaluating A/B tests and assessing risk–return trade-offs.
  • Experience with credit loss forecasting and stress testing exercises.
  • Outstanding ability to translate business problems into analytical problems and drive actionable recommendations.
  • Exceptional written and oral communication skills, including presenting to senior management.
  • Ability to work productively in a fast-paced, remote/in-person hybrid environment and collaborate across functions.

Benefits

  • $190,000 - $223,000 annual base salary range, plus bonus and generous benefits.
  • Flexible time off.
  • Comprehensive health coverage.
  • Paid parental leave.
  • Wellness benefits and other employee support programs.
  • Udemy access for professional development.
  • Childcare assistance, pet insurance discounts, and legal assistance.
  • Additional discounts through Perkspot and the ability to work remotely in the United States.

Interested in this position?

Apply directly on the company website

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