Credit Risk Manager – Senior Analyst

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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 out analytics and procedures to monitor credit performance and uncover opportunities to protect Thrive’s bottom line • Produce reporting and dashboards that effectively 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 to reduce friction while maintaining decision integrity • Leverage automation and AI to drive more insights with less overhead

🎯 Requirements

• Have three or more years working in a lending analytics roles with at least two years spent working in a risk environment where the consumer credit risk isn’t the whole story • Have earned increased responsibility or promotions through performance, not tenure • Have worked in an early-stage company (or equivalent environment) where structure was minimal and initiative mattered, or can clearly demonstrate that you’ve succeeded without heavy process or support • Are comfortable wearing multiple hats today, with an eye toward building and leading a team in the future • You are a SQL and/or Python wizard • Are passionate about leveraging AI and automation to build lean and scalable risk analytics programs

🏖️ Benefits

• High-impact opportunity to shape risk strategy at an early stage - you are here to take us from 10 to 100 • Path to expanded scope and people leadership as the company scales • Mission-driven fintech focused on enabling responsible, accessible financing • Fully remote, highly collaborative environment with room to grow