Senior Credit Risk Analyst

📋 Description

• • Lead the design and refinement of credit strategies for consumer finance products in the U.S. market, aligning them with evolving portfolio goals and responsible lending standards.
• • Utilize daily coding proficiency in Python and SQL to extract, analyze, and interpret large datasets to uncover insights that directly inform credit decisioning and portfolio performance.
• • Own the development and maintenance of predictive models that forecast credit returns, assess portfolio risk, and guide investor reporting requirements.
• • Assess and adapt credit strategies in response to changing external economic conditions, ensuring resilience and profitability across loan and credit card portfolios.
• • Collaborate cross-functionally with product, engineering, data, and operations teams to translate analytical insights into actionable product features and risk controls.
• • Monitor key performance indicators and implementation outcomes of credit strategies, identifying opportunities for continuous improvement and optimization.
• • Translate complex statistical findings into clear, concise recommendations for non-technical stakeholders to support strategic decision-making.
• • Drive innovation in credit risk by leveraging new data sources, machine learning techniques, and AI-driven tools to automate and enhance decisioning accuracy.
• • Maintain a strong focus on balancing commercial objectives with customer outcomes, ensuring strategies deliver both business growth and ethical lending outcomes.
• • Participate in case study interviews and logistical reasoning tasks to demonstrate strategic problem-solving abilities in real-world credit risk scenarios.
• • Contribute to a culture of minimal bureaucracy by proactively identifying inefficiencies and proposing data-backed solutions that accelerate execution.
• • Work in small, high-performing teams where ownership is deeply embedded, and individual contributions have a direct, measurable impact on company-wide outcomes.
• • Support the scaling of Lendable’s credit infrastructure into the U.S. market, leveraging proven UK models while adapting them to local regulatory and economic contexts.
• • Engage in regular cross-team knowledge sharing sessions to elevate the collective analytical capability of the credit function.
• • Maintain rigorous attention to detail in model validation, assumption testing, and documentation to ensure audit-readiness and compliance with financial standards.
• • Act as a trusted advisor to leadership on credit risk exposure, trend forecasting, and potential market opportunities based on empirical data analysis.