Credit Risk Analyst

🕒 June 26

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DigniFi

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2012

💳 Fintech

🚘 Automotive

🤝 B2B

Fintech • Automotive • B2B

DigniFi is a financial services company that provides inclusive financing options for businesses in the automotive, powersport, and RV industries. By offering fast and accessible financing solutions, DigniFi helps dealerships boost their sales and retain customers by enabling simple and quick credit approvals for vehicle repairs, upgrades, and purchases. Their mission is to support both dealers and customers in accessing the financial assistance they need to keep moving forward.

📋 Description

• 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

🎯 Requirements

• 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

🏖️ Benefits

• 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