Senior Analyst of Credit Strategy

2 weeks ago

San Francisco, California, United States Social Finance Ltd Full time

Employee Applicant Privacy Notice

About Us:

Join us in shaping a more promising financial landscape.

At Social Finance Ltd, we are revolutionizing personal finance through innovative, mobile-first solutions. Our mission is to empower our members to achieve their financial aspirations. As a forward-thinking financial services organization and national bank, we are at the forefront of an industry undergoing significant transformation. Our commitment to our core values drives us to make a meaningful impact on the lives of our members every day. We invite you to invest in your future, your career, and the financial sector.

Position Overview:

The Credit team at Social Finance Ltd is responsible for managing credit risk across our lending products, which include Personal Loans, Student Loan Refinancing, Private Student Loans, and Credit Cards. This team develops credit strategies and policies for new account origination, portfolio management, and collections/recovery operations. Our goal is to create data-driven strategies that align with the company's risk appetite while prioritizing our members' interests.

The Senior Analyst of Credit Strategy will play a pivotal role in analyzing and assessing data to formulate and recommend effective credit risk strategies and models for our lending products. Initially, the focus will be on Personal Loans, with potential opportunities to engage with other lending products in the future.

In this role, you will independently create and implement underwriting strategies for Personal Loans that align with our risk appetite. You will monitor and analyze risk trends within the portfolio, providing insights and recommendations for strategy improvements. As part of the Credit team, you will have first-line-of-defense responsibilities.

This position requires collaboration with various cross-functional teams, including Business Units, Operations, Marketing, Finance, Capital Markets, Product, Engineering, Legal, and Compliance. Utilize your business acumen and analytical skills to drive revenue, manage risk, and deliver value to both the company and our members.

Key Responsibilities:

  • Innovate: Contribute your best ideas to develop risk strategies, including credit underwriting and risk tier assignments.
  • Data-Driven: Leverage comprehensive analysis to enhance the future of lending through an optimal real-time data ecosystem.
  • Iterate and Learn: Embrace a culture of innovation and data-driven decision-making.
  • Collaborate: Work closely with business partners across various departments to achieve successful outcomes.
  • Manage Risk and Drive Performance: Understand credit risk and develop strategies to mitigate losses while responsibly growing revenue.
  • Grow Professionally: Be inspired by dynamic leadership and a rapidly expanding business, as we seek passionate and quantitative team members.

Qualifications:

  • 3+ years of relevant experience in credit strategy or analytics.
  • Strong business acumen and experience in consumer lending.
  • Direct experience in the credit strategy analytical lifecycle, including strategy development and implementation.
  • Proven analytical skills with customer performance data and third-party variables.
  • Proficiency in Excel, SQL, and Python.
  • Ability to communicate complex analyses effectively to stakeholders.
  • High motivation to achieve results and work collaboratively in a dynamic environment.
  • Knowledge of analytical techniques such as regression and decision trees.
  • Preferred: 3+ years of experience in personal loan credit risk.
  • Preferred: Experience in developing credit strategies using innovative data sources.
  • Preferred: Advanced degree in a quantitative field such as Statistics or Mathematics.

Compensation and Benefits:
The base pay range for this role is competitive and will be determined based on individual factors such as experience and skills.

To explore our comprehensive benefits, please visit our Benefits at Social Finance Ltd page.

Social Finance Ltd is an equal opportunity employer, committed to diversity and inclusion in the workplace.

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