Note: The job is a remote job and is open to candidates in USA. Prosper Marketplace is a leading fintech company that introduced U.S. consumers to an innovative approach to personal finance. They are seeking a Senior Credit Risk Analyst to join their Credit Risk team, where the candidate will develop strategies using advanced analytics to manage credit decisions and improve credit performance.
Responsibilities
- Develop credit and fraud strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions
- Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems
- Design A/B tests and understand the risk and customer experience trade-offs
- Continue to innovate by testing new data, analytics approaches and models
- Partner with Data Science, Product, Engineering and other partner teams to implement credit and fraud prevention strategies, test and validate pre and post performance
- Conduct ad-hoc analysis related to risk management, product, and operations
- Analyze portfolio performance at a granular segment level on an ongoing basis
- Identify trends and conduct root-cause analysis to isolate key performance drivers
- Communicate findings and recommendations to the Risk Management and broader Prosper community
Skills
- Bachelors or Masters degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics
- 3+ years of experience with a Masters or 5+ years of experience with a Bachelors managing credit risk and/or fraud and/or data science in consumer lending industry, consumer personal loan / credit card experience is a plus
- Strong analytical and problem-solving skills
- Must have strong proficiency in SQL and Python
- Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
- Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required
- Curious to ask questions, probe into reasons and challenge the status quo
- Strong ownership and motivation to drive business result
- Ability to work in fast-paced environment and meet deadlines without sacrificing quality
- Self-starter; comfort dealing with ambiguity
- Experience with DBT and Looker will be a plus
- We will also consider candidates who don't have financial services experience but have strong technology background and analytical skills
Benefits
- A 401(k) with a 5% company match to help you build long-term financial security.
- Flexible time off and paid parental leave
- An annual wellness allowance
- Comprehensive health coverage
- Udemy access
- Childcare assistance
- Pet insurance
- A bevy of additional savings through Beneplace
Company Overview
Company H1B Sponsorship