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Senior Analyst, Credit Risk Management
2 months ago
At Social Finance Ltd, we are dedicated to reshaping the financial landscape. Our mission is to empower individuals to manage their personal finances effectively.
As a forward-thinking financial services provider and national bank, we leverage cutting-edge, mobile-first technology to assist our diverse member base in achieving their financial aspirations.
We are at the forefront of a transformative industry, committed to making a meaningful difference in the lives of our members, guided by our core values.The Role:
The Credit team at Social Finance Ltd is responsible for managing credit risk across our lending offerings, which include various products such as Student Loan Refinancing, Personal Loans, Credit Cards, and Mortgages. This team develops and implements credit strategies and policies for new account origination, portfolio management, and recovery operations.
As a Senior Credit Risk Analyst, you will play a pivotal role in analyzing data to formulate and propose effective credit risk strategies and models for our lending products. Initially, your focus will be on Personal Loans, with opportunities to engage with other products as needed.
Your responsibilities will include independently crafting and executing underwriting strategies that align with our risk appetite, as well as monitoring and analyzing portfolio risk trends to provide insights and recommendations for strategy improvements.
Utilizing your business acumen along with quantitative and analytical skills, you will drive revenue growth, manage risk, and deliver value to both the company and our members.
What You'll Do:
Innovate... Bring your best ideas to the table to develop risk strategies. This includes designing credit underwriting processes, pre-screen targeting, and risk tier assignments.
Data Driven...
Your comprehensive analysis will shape the future of lending through an optimal real-time data ecosystem, incorporating various internal, bureau, third-party, and alternative data sources.
Iterate, learn, innovate... Embrace a culture of data-driven decision-making.Collaborate...
Work closely with business partners across departments to achieve successful outcomes. Partner with implementation teams to ensure accurate deployment of new strategies.
Manage Risk and Drive Performance... Understand credit risk and develop strategies to mitigate losses while responsibly growing revenue. Monitor the effectiveness of strategies and portfolios, documenting and communicating results, and addressing issues as they arise.Grow, Grow, Grow... Be inspired by our dynamic leadership and rapidly expanding business.
We seek passionate, quantitatively skilled team members who aspire to be the leaders of tomorrow.
What You'll Need:
3+ years of relevant experience
Strong business insight and experience in consumer lending (loans or credit cards)
Direct involvement in the credit strategy analytical lifecycle, including strategy development, P&L management, presentation, implementation validation, and post-implementation review
Proven analytical expertise in conducting complex analyses using customer performance data, bureau attributes, and third-party variables to address business challenges
Proficient in Excel, SQL, and Python
A demonstrated ability to synthesize and present analysis to business partners and senior leadership
High motivation to achieve results, a desire to learn, and the ability to work collaboratively in a dynamic environment
Knowledge of analytical and modeling techniques such as decision trees, regression analysis, and test design.
Preferred: 3+ years of experience in personal loan credit risk
Preferred:
Experience in developing credit strategies utilizing innovative data sources, including cash flow or alternative data
Preferred:
Advanced degree (Master's or PhD) in a quantitative field such as Statistics, Mathematics, Engineering, or Computer Science.
