Senior Risk Analyst, Credit Risk
Join a movement in which everyone can win. We started a movement in which everyone can win – shoppers, retailers, society and every person on our team. To play fair, trust people and reward them for doing the right thing. We see and feel the impact of our work as more and more people gain financial freedom and retailers grow across the globe.
Founded five years ago in Sydney, Australia, Afterpay has over 11 million active customers globally and more than 64,000 of the world’s best retailers around the world including Anthropologie, Revolve, DSW, GOAT, Finish Line, Levi’s, Mac Cosmetics, Ray-Ban and many others. Afterpay is on a mission to power an economy in which everyone wins. Afterpay is completely free for customers who pay on time – helping people spend responsibly without incurring interest, fees or extended debt.
Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers. We are focused on supporting our community of shoppers. We trust in the next generation and share a vision of a more accessible and sustainable world in which people are rewarded for doing the right thing.
The Opportunity
As a Senior Credit Risk Analyst at Afterpay, you’ll be responsible for understanding the loss trends, and building strategies for a balanced outcome for user experience and loss performance. You will communicate the recommendations to broader teams, and work with the product/engineer team to drive the implementation of solutions.
We are much more than our job descriptions - we are our energy, our ideas, our everyday drive. Here’s where you will begin….
• Analyze loss trends and fine tune strategies to optimize approval and loss performance
• Identify and evaluate new features with differentiation power for credit risk.
• Evaluate external data and come up with strategies leveraging external data source.
• Manage and optimize usage and customer experience with various payment options
• Work closely with the data scientist team on credit model and model strategy.
• Work cross functionally with Product, Engineering, Operations, and Legal to drive implementations of credit strategies.
• Support and automate reports and operation processes (Collection agencies, Customer Service, etc.)
Who are you? (Qualifications)
Like us, you’ll be deeply committed to delivering positive outcomes for customers and passionate about shaping the future of Afterpay. You like to keep it real with your actions, be brave with your decisions, do the right thing for all our stakeholders and shape the future with excitement.
• Quantitative background in statistics, math, business, or related disciplines. Work experience in payments, lending, banking, financial institutions etc. a plus
• 3-5 year of experience in analyzing data and using database query language (e.g. SQL, etc) and data processing and analysis tools such as R/SAS etc.. Experience with Python highly preferred
• Comfortable working and making impactful decisions in a fast-paced environment.
• Strong problem solving and analysis skills, combined with effective judgment and proactive communication.
• High attention to detail and ability to multitask.
How we reward you. We have a pay for performance culture so you can expect to be rewarded for high performance. We pride ourselves on fairness and offer a competitive total reward package made up of salary, incentives and benefits including the opportunity to enroll in our share matching plan.
We have a strong focus on health and wellbeing at Afterpay as we aim to support you to succeed in both your career and personal lives, such as providing employees with a corporate membership to Headspace. We offer a wide range of insurance programs so you have the flexibility to choose what is best for you. Afterpay covers 100% of the employee cost and 75% of the cost of your dependents.
We value diversity and a collaborative and inclusive environment where everyone feels they belong is important to us.
How to Apply: We don’t know what the future holds. That’s the exciting part; we show up and make it happen. If you’re brave, if you’re committed to doing the right thing and excited by this opportunity, click apply now!
Afterpay is continuing to hire for all open roles with all interviewing and on-boarding done virtually due to COVID-19. All new team members, in addition to current staff, will temporarily work from home until it is safe to return to our offices.