We're looking for a Lead Analyst to join our Credit Pricing & Analytics team, with a strong focus on credit risk strategy. In this role, you'll play a key part in optimizing underwriting decisions-such as approvals, loan amounts, pricing, and terms-to balance profitable growth with risk management. You'll analyze customer behavior, assess portfolio performance, and develop strategies that shape our credit risk framework.
Key Responsibilities:
- Design and implement credit risk strategies using historical performance data
- Analyze risk-reward trade-offs across customer segments and lending decisions
- Use SQL, SAS, Python, and modeling tools to develop and test underwriting strategies
- Leverage statistical models and machine learning to forecast risk and refine decisioning
- Develop a full credit-cycle view to improve risk controls and long-term portfolio health
- Enhance risk reporting, validation, and quality control processes
- Present insights and recommendations to senior leadership
Qualifications:
- Bachelor's degree (Master's preferred) in a quantitative field (e.g., Statistics, Engineering, Economics, Computer Science)
- 4+ years of credit risk or analytics experience in a data-intensive environment
- Proficient in SQL, SAS, and Excel; experience with modeling or BI tools is a plus
- Strong understanding of credit risk, consumer lending, and portfolio performance
- Demonstrated ability to solve complex problems using data-driven strategies