Senior Credit Risk Analyst

🕒 July 7

🇺🇸 United States – Remote

💵 $129k - $140k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

🦅 H1B Visa Sponsor

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Prosper Marketplace

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2005

💳 Fintech

💸 Finance

👥 B2C

Fintech • Finance • B2C

Prosper Marketplace is a pioneering financial technology company founded in 2005, known for being the first peer-to-peer lending marketplace in the United States. The company facilitates a range of financial solutions including personal loans, credit cards, and home equity loans, alongside investment opportunities in personal loans. They aim to help individuals improve their financial well-being by offering low-interest fixed-rate personal loans, debt consolidation, credit card solutions, and home equity lines of credit. Prosper Marketplace also promotes financial education through their resources hub, blog, and newsletters. With over $28 billion in loans facilitated, Prosper is dedicated to providing secure, fast, and fair financial services to its users.

📋 Description

• Develop credit and fraud strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions • Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems • Design A/B tests and understand the risk and customer experience trade-offs • Continue to innovate by testing new data, analytics approaches and models • Partner with Data Science, Product, Engineering and other partner teams to implement credit and fraud prevention strategies, test and validate pre and post performance • Conduct ad-hoc analysis related to risk management, product, and operations • Analyze portfolio performance at a granular segment level on an ongoing basis. • Identify trends and conduct root-cause analysis to isolate key performance drivers. • Communicate findings and recommendations to the Risk Management and broader Prosper community

🎯 Requirements

• Bachelors or Masters degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics. • 3+ years of experience with a Masters or 5+ years of experience with a Bachelors managing credit risk and/or fraud and/or data science in consumer lending industry, consumer personal loan / credit card experience is a plus • Strong analytical and problem-solving skills • Must have strong proficiency in SQL and Python, Experience with DBT and Looker will be a plus. • Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team • Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required • Curious to ask questions, probe into reasons and challenge the status quo • Strong ownership and motivation to drive business result • Ability to work in fast-paced environment and meet deadlines without sacrificing quality • We will also consider candidates who don’t have financial services experience but have strong technology background and analytical skills • Self-starter; comfort dealing with ambiguity

🏖️ Benefits

• A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported. • Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security. • Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage. • Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace.