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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in developing and refining credit strategies for home-secured personal loans, utilizing data-driven insights and advanced analytical techniques. Proficient in financial modeling, risk assessment, and cross-functional collaboration to drive portfolio growth and enhance product offerings.
Highest-signal resume keywords
Credit Risk AnalysisData-Driven Strategy DevelopmentPython ProficiencyBusiness Intelligence ReportingFinancial Modeling Techniques
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Strategy DevelopmentStatistical TechniquesScenario AnalysisAd-Hoc AnalyticsFinancial Impact SizingSQL ProficiencyMS Excel ProficiencyModeling Tools KnowledgeResearch MethodologiesData Interpretation
Soft Skills
Excellent Communication SkillsCritical ThinkingInterpersonal SkillsSelf-MotivatedTeam Collaboration
Tools & Technologies
TableauPowerBIDecision Science ToolsAnalytics Software
Industry Keywords
Financial IndustryMortgageHome EquityRisk ManagementEconomic Trends
Tech Stack
Tools & technologiesPythonSQLTableau
About the role
Key responsibilities & impact- Monitor, refine, and develop credit strategies—including underwriting, pricing, loan amount, and fees—for home-secured personal loans
- Create champion/challenger test and control tests and monitoring to inform future strategies
- Provide scenario analysis, create financial impact sizing, and develop new strategy test cases
- Perform ad-hoc analytics and create reporting and presentations
- Work across functional areas to drive growth, product enhancements, and improved web funnel conversion rates across all channels
- Partner with Decision Science to define and develop credit models and tools
- Maintain overall risk and return targets for investors, particularly in a changing economic environment
- Drive growth of the home-secured personal loan portfolio through data-driven credit strategy improvements and innovation
Requirements
What you’ll need- 5-7+ years’ experience in a similar analytical role
- Bachelor’s Degree in Statistics, Mathematics, Operational Research, Engineering, or another quantitative major required
- Master’s degree a plus
- Experience in the financial industry, credit risk, and mortgage/home equity required
- Proficiency in Python or similar, SQL, and MS Excel
- Proficiency in interpreting data using analytics, research methodologies, and statistical techniques
- Previous experience with Business Intelligence reporting (e.g. Tableau, PowerBI, etc.) is desirable
- Excellent English written/verbal communication skills, critical thinking, and interpersonal skills
- Highly independent and self-motivated to form opinions supported by data
- Strong knowledge of modeling tools and techniques and their use in strategy
- Ability to understand competitive pressure, economic trends, and their business impacts
- High energy with ability to work in a fast-paced environment
- Comfortable interacting and engaging with colleagues from all levels of management across all business units and third-party vendors
- Demonstrated technical leadership skills including self-direction, coaching, and mentoring
- Highly motivated, well organized, capable of developing and executing business analysis, and able to communicate status and results effectively
- Ability to succeed within a cross-functional team emphasizing Collective Ownership in a fast-paced environment
- Ability to work effectively both independently and as a team member
- Willingness to challenge the status quo and execute others’ ideas when necessary
- Capable of teaching and learning from others to promote continuity of knowledge and personal development
- Ability to cultivate good working relationships with Marketing, Operations, and Finance
Benefits
Comp & perks- Pre-tax and post-tax retirement savings plans with a competitive company matching program
- Generous paid time-off plans including vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays
- Multiple health care plans, including dental and vision options
- Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
- Company-paid life insurance
- Wellness platforms
- Employee assistance programs
- Health Advocate programs
- Discounted identity theft protection
- Pet insurance
- Fitness center reimbursements
- Opportunities for growth, development, and career mobility
- Competitive benefits
- Upward mobility