Director, Credit Risk Analytics

Prosper Marketplace

. Develop underwriting and portfolio credit, pricing, and line strategies .

Posted 10/2/2026full-timeRemote • United StatesLead💰 $215,000 - $260,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk management, leveraging advanced analytics and machine learning to enhance credit performance and develop strategic frameworks. Proven ability to lead teams, communicate complex insights effectively, and drive business outcomes within the credit card industry.

Highest-signal resume keywords

Credit Risk ManagementMachine Learning ModelsData AnalysisPeople LeadershipCredit Card Expertise

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data AnalysisMachine LearningCredit Strategy DevelopmentPortfolio ManagementRisk ManagementAdvanced AnalyticsCredit PricingFraud Risk ManagementPerformance MonitoringBusiness Case Development

Soft Skills

Communication SkillsTeam CollaborationThought LeadershipMentoringBusiness Acumen

Certifications & Qualifications

Master’s Degree

Industry Keywords

Credit Card BusinessCredit ManagementRisk AppetiteData-Driven RecommendationsExecutive LeadershipCapital MarketsComplianceEmerging TechnologiesAutomated Credit Decision StrategiesPerformance Drivers

About the role

Key responsibilities & impact

Develop underwriting and portfolio credit, pricing, and line strategies
Enhance credit performance using data, ML/AI models, and advanced analytics tools
Improve credit and fraud risk management while balancing risk-return trade-offs
Translate complex findings into actionable enhancements
Present data-driven recommendations to executive leadership and the Credit Risk Committee
Communicate complex data and insights to investors
Partner with Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering teams
Ensure credit losses remain within the company’s defined risk appetite
Identify and evaluate new products, vendors, alternative data sources, and emerging technologies
Build business cases for new capabilities
Monitor credit performance at granular segment levels
Identify performance drivers and emerging trends
Implement credit strategy changes as needed
Guide teams developing automated credit decision strategies
Own the end-to-end credit strategy process and oversee credit quality and performance of the Credit Card business

Requirements

What you’ll need

Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related field
10+ years of experience managing credit risk within Credit Card businesses
Strong business acumen and deep knowledge of credit management
5+ years of people leadership experience
Proven ability to develop and mentor high-performing teams
Ability to thrive in a fast-paced environment and meet deadlines without compromising quality
Outstanding thought leadership and ability to build, refine, and elevate credit strategy frameworks
Exceptional written and verbal communication skills
Ability to articulate complex analyses and technical subject matter clearly and succinctly
Strong team-player and collaborative mindset
Business-owner mentality
Broad and in-depth credit card expertise
Experience with Machine Learning models, credit data, data analysis, and advanced analytics tools

Benefits

Comp & perks

Competitive salary
401(k) with a 5% company match
Flexible time off
Paid parental leave
Annual wellness allowance
Comprehensive health coverage
Udemy access
Childcare assistance
Pet insurance
Additional savings through Beneplace
Flexible work arrangements, including fully remote work
Digital-first tools and intentional culture supporting remote employees