Credit Risk Manager

Job not on LinkedIn

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $134.6k - $202k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Figure

WebsiteLinkedInAll Job Openings

501 - 1000 employees

💸 Finance

💳 Fintech

🏦 Banking

Finance • Fintech • Banking

Figure is transforming the trillion-dollar financial services industry using blockchain technology. Founded in 2018 by technology entrepreneur Mike Cagney, Figure has established itself as a groundbreaking player in the fintech space with a focus on home equity products, consumer lending, and asset management. Leveraging the Provenance Blockchain, Figure delivers innovative solutions for loan origination, equity management, and financial transactions, aiming to provide speed, efficiency, and savings for both consumers and institutions. It stands out as one of the few unicorns in the financial technology sector.

📋 Description

• Refine and modernize credit underwriting strategies using advanced analytics across lending products • Analyze historical loan performance data to model credit expansion initiatives, identify customer segments, and optimize funnel conversion • Perform root-cause analyses on credit losses and default trends • Partner with Fraud Risk Management to improve fraud controls • Develop valuation models to estimate segment-level economics and advise Capital Markets on yield projections and performance assumptions • Partner with Product, Engineering, and Data Science to design A/B tests balancing risk control, conversion lift, and user experience • Track and validate pre- and post-implementation performance for credit and fraud rule changes • Design monitoring frameworks for product launches, emerging portfolio risks, and executive decision-making • Present underwriting methodology to investors and support due diligence and portfolio performance inquiries • Collaborate with Legal and Compliance to ensure regulatory compliance • Conduct ad hoc quantitative analyses supporting Credit, Operations, and Product objectives

🎯 Requirements

• Bachelor/Master’s degree with a quantitative background (e.g., Statistics, Math, Economics, Computer Science, Engineering, or Business) • 5+ years in credit risk management or data science within consumer lending • Comfortable working in a fast-moving, evolving environment where priorities shift, and initiatives move quickly • Self-driven, with intense focus on results; high curiosity with a proven track record of probing root causes, challenging the status quo, and designing out-of-the-box solutions • Strong analytical and problem-solving skills, combined with solid business judgment • Clear, strong communicator who can translate complex data into simple, actionable insights for any audience • Strong team player and comfortable interacting with partners across multiple teams and at varying levels of seniority • Advanced proficiency in SQL and Python/R for pulling, cleaning, and modeling complex relational data independently • Practical application of predictive modeling, customer segmentation, and statistical procedures to evaluate risk and borrower behavior • Experience with Tableau, Power BI, and Looker • Adhere to all company security policies and data handling procedures • Complete mandatory security awareness training within required timeframes • Promptly report any suspected security incidents or suspicious activity to the Security team • Must verify identity and eligibility to work in the United States • Figure will not sponsor work visas for this position

🏖️ Benefits

• 25% annual bonus target, paid quarterly • Company equity in the form of RSUs • Comprehensive medical, dental, and vision coverage, with 100% employer-paid premiums for employees and their dependents on select plans • Company HSA, FSA, Dependent Care FSA, 401(k), and commuter benefits • Employer-paid life and disability insurance • 11 observed holidays and PTO plan • Up to 12 weeks of paid family leave • Continuing education reimbursement