Credit Risk Analyst

🕒 Junho 26

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $72.000 - $90.000 / ano

⏰ Tempo Integral

🟡 Pleno

🟠 Sênior

🧐 Analista

👻 Score fantasma 8%

O que significa: quão provável esta vaga está aberta sem contratação ativa.Como ler: 60% ou mais significa que achamos que é uma vaga fantasma. Pontuações mais baixas preocupam menos.Como pontuamos: tempo em aberto, republicações, vagas abertas vs tamanho do time, rapidez para fechar vagas, e se o salário está divulgado.Observação: é uma estimativa de dados públicos, não um julgamento da empresa. Vagas reais podem ter pontuação alta, então use como uma dica, não como um fato.

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DigniFi

SiteLinkedInTodas as Vagas

51 - 200 funcionários

Fundada em 2012

💳 Fintech

🚘 Automotivo

🤝 B2B

Fintech • Automotive • B2B

A DigniFi é uma empresa de serviços financeiros que oferece opções de financiamento inclusivas para negócios nos setores automotivo, de esportes motorizados e veículos recreativos. Ao proporcionar soluções de financiamento rápidas e acessíveis, a DigniFi ajuda concessionárias a aumentar suas vendas e reter clientes, permitindo aprovações de crédito simples e rápidas para reparos, melhorias e compras de veículos. Sua missão é apoiar tanto os concessionários quanto os clientes no acesso à assistência financeira necessária para continuar avançando.

Descrição

• Analyze credit policy performance including approval rates, decision distributions, and cutoff effectiveness • Support evaluation of credit strategy metrics and tiering strategies • Monitor automated decisioning rules and identify opportunities for optimization • Provide analytical support for policy changes, limit adjustments, and offer structure refinements • Produce recurring credit performance reporting across segments, tiers, and vintages • Track origination quality metrics, early payment defaults, and delinquency emergence by cohort • Analyze credit attribute distributions, score migrations, and performance vs. expectations • Maintain dashboards and scorecards that support internal decision-making and investor/capital partner reporting • Model tradeoffs between approval rates, expected loss rates, and portfolio yield • Conduct segment-level profitability analysis to inform risk appetite decisions • Support scenario analysis and simulation frameworks for proposed policy changes • Analyze swap-in/swap-out populations to evaluate potential decisioning rule adjustments • Analyze pricing effectiveness across risk tiers, products, and channels • Support evaluation of term structures, APR strategies, and fee configurations • Provide data and insights connecting pricing decisions to portfolio economics and competitive positioning • Monitor credit model and scorecard performance (rank-ordering, KS statistics, Gini coefficients) • Support model validation activities by preparing performance data and back-testing analysis • Analyze model input variables and feature importance to inform future model development • Collaborate on model performance reviews and enhancement opportunities • Partner with collections, servicing, and fraud teams to ensure aligned metric definitions and portfolio health understanding • Collaborate with finance on loss forecasting inputs, CECL analysis, and reserve adequacy • Support investor and board reporting with transparent loan-level data and performance analytics • Engage with technology teams on data access, decisioning platform enhancements, and reporting infrastructure

🎯 Requisitos

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or related quantitative field • Minimum 3–5 years of experience in credit risk analytics, underwriting analytics, or portfolio analytics (consumer lending preferred) • Demonstrated experience using SQL and Python (or R) in a professional analytics environment • Experience with credit policy analysis, approval rate monitoring, vintage analysis, or loss forecasting • Exposure to decisioning platforms, credit bureaus, or underwriting systems • Strong understanding of consumer lending products, credit risk metrics, and underwriting workflows • Experience with credit scorecards, model performance monitoring, or model validation support • Experience designing or evaluating A/B tests or controlled experiments

🏖️ Benefícios

• Flexible PTO • 12 Paid Holidays • Up to 80% Employer-Paid Premiums for Medical, Dental and Vision Insurance • Long-term Disability Insurance • Basic Life Insurance • Paid Parental Leave • Matching 401K • 100% Remote Work