Credit Risk Manager – Senior Analyst

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🕒 5 days ago

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Thrive Financial, Inc

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2023

💸 Finance

💳 Fintech

🤝 B2B

Finance • Fintech • B2B

Thrive Financial, Inc. is a loan servicing and point-of-sale financing company that provides full‑spectrum consumer financing for home improvement projects. Thrive connects banks and lending partners with merchants and consumers via a paperless, mobile application, merchant portal, and native API integrations to offer credit limits up to $100,000, fixed rates as low as 6. 99%, and plans for a broad range of credit profiles (FICO 550+). The company focuses on enabling merchants to increase sales, close more deals, and access working capital, while handling underwriting, servicing, and customer support.

📋 Description

• Build analytics and procedures to monitor credit performance and uncover opportunities to protect Thrive’s bottom line • Produce reporting and dashboards that communicate credit risk trends to a variety of stakeholders • Monitor and enhance credit underwriting models • Update loss forecasting estimates and analyze portfolio profitability • Identify improvements for more efficient customer underwriting while maintaining decision integrity • Leverage automation and AI to drive more insights with less overhead • Apply analytics in an environment of ambiguity and incomplete ownership • Work cross-functionally and build stakeholder relationships • Help optimize Thrive’s credit policy

🎯 Requirements

• Three or more years working in lending analytics roles • At least two years working in a risk environment where consumer credit risk is not the whole story • Demonstrated increased responsibility or promotions through performance • Experience in an early-stage company or equivalent minimally structured environment, or demonstrated success without heavy process or support • Comfortable wearing multiple hats, with an eye toward building and leading a team in the future • Advanced SQL and/or Python skills • Passion for leveraging AI and automation to build lean, scalable risk analytics programs • Hands-on approach to consumer data and problem-solving • Ability to create structure where none exists • Ability to balance empathy and accountability while driving outcomes

🏖️ Benefits

• Fully remote, highly collaborative environment • Room to grow • Path to expanded scope and people leadership as the company scales