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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in risk analytics and portfolio performance evaluation, with a strong focus on advanced SQL, data modeling in dbt, and consumer credit performance concepts. Capable of conducting thorough analyses of repayment performance, underwriting strategies, and collections lifecycle improvements.
Highest-signal resume keywords
Advanced SQLData Modeling in dbtRisk AnalyticsProduct Funnel AnalysisConsumer Credit Performance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Risk AnalyticsPortfolio AnalyticsProduct AnalyticsData ModelingSQL QueriesCohort AnalysisA/B TestingVintage AnalysisRoll RatesUnit Economics
Soft Skills
Strong CommunicationInvestigative InstinctsCross-Functional Collaboration
Tools & Technologies
DbtLLM-Based Tooling
Industry Keywords
Consumer CreditFintech LendingEarned Wage AccessDelinquency ReportingCredit Limit Strategy
Tech Stack
Tools & technologiesSQL
About the role
Key responsibilities & impact- Analyze repayment performance of the Experian portfolio
- Evaluate underwriting and credit limit changes
- Model cohort LTV and unit economics
- Analyze the funnel from account creation through first advance
- Own the Experian analytics layer, including dbt models, data definitions, reporting, and data quality monitoring
- Own delinquency and non-payback reporting, including vintage curves, delinquency roll rates, gross and net loss, and recoveries
- Evaluate underwriting model and credit limit strategy changes end to end
- Analyze the collections lifecycle and recommend repayment improvements
- Build and refine alerting for anomalies, incidents, and emerging risk trends
- Maintain and extend the partner-level LTV model by monthly cohort
- Partner with the Experian Product Manager and Tech Lead to shape the roadmap and measure shipped decisions
- Work with Partnerships on bidirectional data sharing and quarterly business reviews
- Partner with Finance on portfolio tracking, revenue coverage, projections, partnership commitments, and quarterly business reviews
Requirements
What you’ll need- 4–6 years of experience in risk analytics, portfolio analytics, or product analytics at a consumer credit, earned wage access, or fintech lending company
- Advanced SQL — you write complex queries from scratch
- Experience building or maintaining data models in dbt or a comparable framework
- Experience with product funnel analysis, A/B testing, and experiment readouts
- Sharp investigative instincts — ability to form hypotheses, find root causes, and size impact
- Strong written and verbal communication
- Comfortable being the single analyst embedded in a cross-functional pod
- Fluency in consumer credit performance concepts: vintage analysis, roll rates, gross vs. net loss, unit economics, and underwriting and credit limit decisions (nice to have)
- Familiarity with LLM-based tooling for analytics work (nice to have)
- Must be currently based in the United States
- Must not require employer sponsorship to work in the US now or in the future
Benefits
Comp & perks- Medical, dental, and vision insurance
- Flexible PTO Policy
- 401k plan
- Paid Parental Leave
- Physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships
- Headspace for covered virtual therapy sessions and unlimited on demand health support
- Monthly reimbursements to use against wifi and cell phone bills
- Annual reimbursement for Learning & Development
- A dynamic, flexible and collaborative start-up work environment with a highly talented team
