Director, Credit Risk Analytics

🔥 8 minutes ago

🇺🇸 United States – Remote

💵 $215k - $260k / year

⏰ Full Time

🔴 Lead

👔 Director

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 1%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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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 underwriting and portfolio credit, pricing, and line strategies • Enhance credit performance using data, ML/AI models, and advanced analytics tools • Improve credit and fraud risk management while balancing risk-return trade-offs • Translate complex findings into actionable enhancements • Present data-driven recommendations to executive leadership and the Credit Risk Committee • Communicate complex data and insights to investors • Partner with Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering teams • Ensure credit losses remain within the company’s defined risk appetite • Identify and evaluate new products, vendors, alternative data sources, and emerging technologies • Build business cases for new capabilities • Monitor credit performance at granular segment levels • Identify performance drivers and emerging trends • Implement credit strategy changes as needed • Guide teams developing automated credit decision strategies • Own the end-to-end credit strategy process and oversee credit quality and performance of the Credit Card business

🎯 Requirements

• Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related field • 10+ years of experience managing credit risk within Credit Card businesses • Strong business acumen and deep knowledge of credit management • 5+ years of people leadership experience • Proven ability to develop and mentor high-performing teams • Ability to thrive in a fast-paced environment and meet deadlines without compromising quality • Outstanding thought leadership and ability to build, refine, and elevate credit strategy frameworks • Exceptional written and verbal communication skills • Ability to articulate complex analyses and technical subject matter clearly and succinctly • Strong team-player and collaborative mindset • Business-owner mentality • Broad and in-depth credit card expertise • Experience with Machine Learning models, credit data, data analysis, and advanced analytics tools

🏖️ Benefits

• Competitive salary • 401(k) with a 5% company match • Flexible time off • Paid parental leave • Annual wellness allowance • Comprehensive health coverage • Udemy access • Childcare assistance • Pet insurance • Additional savings through Beneplace • Flexible work arrangements, including fully remote work • Digital-first tools and intentional culture supporting remote employees