Director, Credit Risk and Analytics

4 weeks ago


San Francisco, California, United States Upgrade Full time
About the Role

We are seeking a Director, Credit Risk & Analytics to join our innovative & fast-growing Flex Pay team at Upgrade, a leading fintech company specializing in consumer finance. In this position, you will play a pivotal role in risk assessment of applicants and ensuring responsible lending practices.

Key Responsibilities:
  • Design & implement strategies and analytical frameworks to evaluate applicant risk using various financial data sources/ proprietary scoring models and underwriting guidelines.
  • Own underwriting policy changes end to end including business intent definition, collaboration with engineering/product teams to implement and monitor the business intent, and performance monitoring.
  • Ensure compliance with regulatory requirements and internal policies throughout the underwriting process.
  • Document and automate analytical frameworks and processes to reduce onboarding times for new team members as we grow.
  • Collaborate with other departments including Sales, Engineering, Product, Operations, Finance, and Legal to streamline processes and enhance customer experience.
  • Monitor loan portfolio performance and conduct periodic reviews to manage risk exposure effectively.
  • Develop/manage periodic reporting templates to Senior Management, and Upgrade Lending Partners.
  • Monitor performance and profile at a merchant level to drive insights/decisions around merchant pricing and underwriting policy.
What We Look For:
  • Bachelor's degree in Finance, Economics, Business Administration, Statistics, Computer Science or a related field.
  • 5+ years of proven experience in Analytics domain in an at scale technology, start-up or high-growth company, preferably in short to mid-duration installment loans in Retail sector.
  • Strong analytical skills with the ability to interpret & visualize complex data and draw meaningful conclusions.
  • Meticulous attention to detail in reviewing documentation and assessing credit risk.
  • Familiarity with credit risk management principles, regulatory requirements, and industry best practices.
  • Knowledge and experience in statistical procedures, decision trees, and financial analysis tools.
  • Excellent verbal and written communication skills to effectively convey credit decisions and recommendations.
  • Ability to thrive in a fast-paced environment and manage multiple priorities effectively.
  • Working knowledge in SQL and R/Python required, Tableau preferred. Comfortable working with Microsoft Office Suite.
  • Experience exploring new tools and methodologies to solve real-world problems.
What We Offer You:
  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental and vision insurance
  • Flexible PTO
  • Opportunities for professional growth and development
  • Paid parental leave
  • Health & wellness initiatives


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