Senior Credit Risk Analyst

3 weeks ago


Wilmington, United States Harnham Full time

Get AI-powered advice on this job and more exclusive features. This range is provided by Harnham. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more. Base pay range $120,000.00/yr - $130,000.00/yr Senior Credit Risk Analyst – Acquisition Strategy & Underwriting Join a fast-growing fintech that’s redefining how consumers access credit through innovative, data-driven lending. As a Senior Credit Risk Analyst , you’ll take a leading role in shaping how new customers are acquired and underwritten — blending analytics, strategy, and commercial judgment to fuel sustainable growth. This is a chance to make a measurable impact on credit policy and portfolio performance within a company where your insights directly influence outcomes. The Opportunity You’ll own analytics and strategy across the early stages of the credit lifecycle — from acquisition through underwriting and policy optimization. In this role, you will: Design, test, and optimize acquisition and underwriting strategies that balance growth with credit quality. Use SQL and Python to analyze portfolio trends and uncover performance insights. Partner with data science, product, and finance teams to bring analytical ideas into production. Monitor credit metrics, detect early signals of change, and adjust policy frameworks proactively. Contribute to the evolution of credit governance and measurement standards . What You Bring 2–4 years of experience in credit risk, strategy, or portfolio analytics (cards, personal loans, or consumer lending preferred). Technical proficiency in SQL (Python or R a plus). Deep understanding of credit policy, underwriting, and acquisition strategy . Ability to translate complex data into actionable, commercially sound recommendations. Strong communication and stakeholder influence skills. Why Join? High-impact role in a mission-driven fintech with big growth ambitions. Exposure to senior leadership and visibility across the full credit lifecycle . Competitive compensation, performance bonus, and long-term career growth. Collaborative, innovative culture where data drives every decision. Ready to help shape the strategy behind the next generation of lending? Apply now to join a team where analytics meet innovation. Seniority level Mid-Senior level Employment type Full-time Job function Analyst #J-18808-Ljbffr



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