Senior Credit Strategy Analyst

14 hours, 34 minutes ago
Full-time
Senior
Data Science and Analytics
Puck

Puck

Puck helps great teams find great teammates through employer branding, conversations, and authentic candidate engagement, using personalized automation to enhance the candidate experience and improve hiring metrics.

Internet Software & Services
1-10
Founded 2020

Description

  • Own end-to-end implementation of credit and fraud policies across all product lines in the decisioning platform, including testing, deployment, and validation.
  • Develop and optimize credit underwriting and fraud prevention strategies for personal loans.
  • Analyze portfolio performance, approval funnels, and fraud trends to identify strategy improvements and loss mitigation opportunities.
  • Design, test, and implement decision rules, segmentation strategies, and policy changes using data-driven experimentation.
  • Partner cross-functionally with Product, Data Science, Compliance, and Operations to deploy and monitor strategies.
  • Build dashboards, reporting, and monitoring frameworks for credit and fraud KPIs such as approval rates, losses, and fraud rates.
  • Support model and strategy governance through documentation, controls, and performance reviews.

Requirements

  • 3+ years of experience in risk management within consumer finance, banking, or lending.
  • 1+ years of experience implementing credit strategies within a loan decisioning platform such as Alloy or similar systems.
  • Experience working with credit bureau data such as Experian, TransUnion, and Equifax, as well as alternative data sources.
  • Strong knowledge of regulations, standards, and guidelines governing consumer lending.
  • Proficiency in SQL and Python for data analysis and strategy development.
  • Ability to independently analyze data, identify trends and anomalies, and translate insights into actionable recommendations.
  • Experience translating policy into production-ready rules and logic within decisioning platforms.
  • 1+ year of experience working with consumer fraud tools and monitoring fraud trends (preferred).
  • Experience with BI and visualization tools such as Looker or Tableau (preferred).
  • Familiarity with internal control requirements and risk governance frameworks (preferred).
  • Experience validating data integrity and troubleshooting discrepancies across systems and pipelines (preferred).
  • Experience executing small- to mid-sized cross-functional initiatives with limited oversight (preferred).
  • Strong understanding of data structures and ability to quickly learn new databases and tools (preferred).
  • Demonstrated focus on efficiency improvements, automation, and process optimization (preferred).
  • This role must be based in the US.

Benefits

  • Base salary range of $124,000 to $155,000 USD.
  • Health, dental, and vision benefits plus savings plans.
  • Mac computers and a work-from-home stipend to set up a home office.
  • Monthly internet and phone reimbursement.
  • Employee Stock Purchase Plan and Restricted Stock Units (RSUs).
  • 401(k) plan with company match.
  • Robust tuition reimbursement program.
  • $1,000 travel perk on each Earnie-versary.
  • Competitive days of annual PTO.
  • Competitive parental leave.

Interested in this position?

Apply directly on the company website

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