Lead Credit Risk Analyst

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. Work with the leadership team to develop and refine credit risk strategy for new and existing lending products .

Posted 9/23/2026full-timeUnited StatesSenior💰 $82,000 - $168,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk strategy development and implementation, leveraging advanced analytical skills in SQL and Python/R. Proficient in collaborating across cross-functional teams to enhance lending products and optimize risk-return outcomes through AI-enabled solutions.

Highest-signal resume keywords

Credit Risk Strategy DevelopmentAdvanced SQLPython/R ProgrammingStatistical ModelingA/B Testing

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisCredit Memo WritingDecision Model DevelopmentRisk-Based PricingPortfolio AnalysisAI-Enabled WorkflowsData AnalysisQuantitative AnalysisPolicy RecommendationModel Governance

Soft Skills

Cross-Functional CollaborationInfluencing Skills

Tools & Technologies

LookerTableauHexAI ToolsLLM Tools

Certifications & Qualifications

Master's Degree in Quantitative Field

Industry Keywords

FintechBankingRetail CreditConsumer CreditSMB Lending

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Work with the leadership team to develop and refine credit risk strategy for new and existing lending products
Identify risk drivers and recommend policy changes that balance risk and growth
Partner with Data Science to build, test, and monitor credit risk and decision models
Perform portfolio analysis to monitor credit performance, emerging trends, and expansion or tightening opportunities
Design and execute A/B tests and champion-challenger experiments for policy, pricing, and strategy changes
Support risk-based pricing and profitability analysis to improve risk-return outcomes
Build AI-enabled workflows and copilots that automate recurring analysis, summarize merchant performance, and surface risk signals with human oversight
Collaborate with R&D, Product, Engineering, Data Science, and Operations to launch new products, features, and AI-enabled workflows

Requirements

What you’ll need

5+ years in retail/consumer/SMB credit risk or strategy, preferably in fintech or banking
Past experience growing a lending business and hands-on experience in credit strategy required
Ability and experience writing credit memos and credit decision and strategy documentation
Experience applying AI or LLM tools to improve analytical workflows, operational processes, or decision support
Advanced SQL and Python/R, with Looker/Tableau/Hex or similar
Familiarity with statistical modeling and A/B testing
Working knowledge of model governance, explainability, and fair lending in automated credit decisioning
Master's degree or higher in a quantitative field such as Mathematics, Statistics, Economics, Operations Research, or Business
Ability to influence a cross-functional, non-hierarchical environment across Risk, Engineering, Data Science, and Product

Benefits

Comp & perks

Competitive compensation and benefits programs
Cash compensation, including overtime and bonus/commissions if eligible
Equity
Benefits supporting a healthy lifestyle
Flexible arrangements to meet changing employee needs
AI tools provided across disciplines
Reasonable accommodations for persons with disabilities