Credit Risk Manager

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $130k - $170k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

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Scratch Financial

WebsiteLinkedInAll Job Openings

11 - 50 employees

🏥 Healthcare

🛡️ Insurance

💸 Finance

Healthcare • Insurance • Finance

Scratch Financial is a company that provides simple and transparent payment plans for medical financing. They offer easy and friendly payment options with no prepayment penalty and no deferred interest, aiming to make financing accessible without affecting the borrower's credit score. Scratch Financial supports borrowers with plans ranging from $200 to $10,000, with terms between 12 to 36 months. They ensure high approval rates and affordable rates, making it easy for customers to manage their finances for medical needs. The company operates by offering plans in both the US and Canada, with loans serviced by WebBank in the US.

📋 Description

• Own analyses shaping underwriting strategy, including identifying approval and loss opportunities, sizing trade-offs and recommending policy changes • Diagnose drivers of credit performance, including delinquency, roll rates and losses, and turn findings into actions • Improve loss mitigation, collections and recovery strategies, including designing and interpreting champion/challenger tests • Analyze the application and checkout experience's impact on the originations funnel and partner with Product to improve it • Contribute to underwriting model improvements and build new models from data preparation through validation and monitoring • Build repeatable, AI-assisted workflows to improve team speed and analysis reliability • Communicate findings and recommendations to executives, bank partners and capital partners • Work as a hands-on individual contributor across the full consumer lending lifecycle • Collaborate with the VP of Credit Risk and partners across Product, Engineering, Finance and Marketing

🎯 Requirements

• Bachelor's degree in a quantitative field (e.g., Statistics, Economics, Math, Engineering, Finance) • 3+ years in consumer lending credit risk or analytics at a bank or fintech • Hands-on experience across the credit strategy lifecycle: analysis, strategy design, test design, implementation validation and post-implementation monitoring • Strong SQL and Python • Comfortable with large loan-level and credit bureau datasets • Enthusiasm for using AI tools and judgment to verify their output • Ability to work autonomously and structure ambiguous problems • Clear, concise communication with senior stakeholders • Team player with an ownership mindset and bias for getting things done • Nice to have: point-of-sale, installment or BNPL lending experience • Nice to have: collections/recoveries strategy experience • Nice to have: model development experience, including logistic regression or gradient boosting • Nice to have: experience working with a partner bank

🏖️ Benefits

• Equity • Unlimited PTO • Covered healthcare • Flex benefits • 401(k) matching • Cell plan reimbursement • Monthly recognition opportunities • Continuous learning resources • Equity retention program • Generous parental leave • Remote work support • Annual company Hub Day onsite • Pasadena office stocked with snacks and drinks for hybrid work

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