Senior Credit Risk Analyst

Join to apply for the Senior Credit Risk Analyst role at Qcells North America. Base pay range: $95,000.00/yr - $115,000.00/yr. Description EnFin, a subsidiary of Qcells, is a financial services company dedicated to making solar energy accessible through innovative financing solutions. Headquartered in Irvine, California, EnFin provides competitive residential solar loans and third‑party owned (TPO) products, empowering homeowners to manage energy costs while supporting solar installers’ growth. EnFin delivers seamless, affordable financing options to its extensive dealer network and customers. Join a mission‑driven team focused on renewable energy and cutting‑edge financial solutions, where your contributions will drive impactful change in the clean energy sector. Responsibilities Analyze credit and consumer data and evaluate the creditworthiness of individuals or businesses. Monitor existing credit portfolios, identifying trends and potential risks. Deep expertise in credit risk management principles, including understanding of credit scoring, loan structuring, and risk mitigation strategies. Leverage advanced SQL, SAS and Python skills for data manipulation, processing and analysis to support credit decisions. Utilize credit bureau data (e.g. Experian, Equifax, TransUnion) to assess risk profiles, generate predictive analytics and tools such as statistical models for use in evaluating risk. Design and generate detailed reports summarizing credit findings and provide actionable insights for lending teams and stakeholders. Collaborate with lending teams to provide insights and support decision‑making processes. Collaborate with IT and data teams to leverage automation tools for credit risk monitoring, reporting, and analytics, ensuring processes remain efficient and scalable. Ensure all processes, reporting, and automation initiatives adhere to regulatory requirements, internal policies, and industry best practices. Stay updated on industry trends, credit lending, and changes in credit bureau reporting standards. Required Qualifications Bachelor’s degree in finance, Economics, Statistics, Mathematics or a related field, with a minimum of 8 years of professional work experience including 3+ years of experience in credit lending models or in a similar role working with credit data and credit bureau data. Demonstrated expertise in designing and generating reports for portfolio and credit analysis. Advanced proficiency in SQL, SAS or Python for data manipulation, processing and analysis. Proficiency in interpreting credit reports from major credit bureaus (Experian, Equifax, TransUnion). Strong analytical skills with the ability to interpret complex credit and financial data and model outputs. Familiarity with credit scoring models and risk assessment tools. Excellent attention to detail and problem‑solving abilities. Proficient in Microsoft Excel; experience with data visualization tools (e.g. Tableau) is a plus. Strong communication skills, both written and verbal, to present findings clearly to stakeholders. Knowledge of regulatory requirements (e.g., FCRA, ECOA) related to credit underwriting is preferred. Ability to work independently and manage multiple priorities in a fast‑paced environment. Preferred Qualifications Master’s degree in Statistics, Mathematics, Economics or a related field. Experience with automated credit decisioning systems. Understanding of lending products, including personal loans, mortgages, or commercial credit. Solar Industry experience (Renewable). Physical, Mental & Environmental Demands To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation. Mobility Standing – 20% Sitting – 70% Walking – 10% Strength Pulling – up to 10 pounds Pushing – up to 10 pounds Carrying – up to 10 pounds Lifting – up to 10 pounds Seniority level Mid‑Senior level Employment type Full‑time Job function Finance and Sales Industries Renewable Energy Semiconductor Manufacturing Salary Transparency Notice The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to, skill set, education, licenses and certifications, essential job duties and requirements, and the necessary experience relative to the job’s minimum qualifications. #J-18808-Ljbffr