Are you a sharp, inquisitive data expert ready to take your credit risk career to the next level? Join our high-impact team as a Senior Credit Risk Analyst, where your analytical acumen and innovative mindset will directly influence the growth and risk management of our commercial card portfolio.
In this strategic and highly visible role, you’ll leverage advanced analytics and modeling skills to drive smarter underwriting and power decision-making across the organization. As a hands-on collaborator with Engineering, Product, Sales, and Operations, you'll turn vision into reality – from concept to execution, all while reporting directly to the Director of Credit.
What You’ll Do:
- Shape & Optimize Credit Risk Strategies: Design, build, test, and fine-tune sophisticated credit underwriting risk models and rule-based strategies that enhance underwriting performance, sharpen risk rating, and elevate portfolio segmentation.
- Lead Portfolio Analytics: Establish and track key performance metrics, perform deep-dive analytics, and produce data-driven business insights that identify emerging risks and uncover new opportunities for growth. Present your findings and recommendations to senior leadership.
- Systems Innovator: Lead the development, deployment, and evolution of credit decision engines, systems and workflows. Map current credit decisioning rules, spot opportunities for automation or system integration, and oversee both implementation and continual optimization in a fast-changing environment.
- Be a Strategic Partner: Collaborate across teams to translate high-level business objectives and analytics insights into clear, actionable technical requirements. Champion innovation and seamless execution with our Engineering, Product, Sales, and Operations partners.
What We’re Looking For:
- Experienced Analyst: 2+ years of hands-on experience with commercial card portfolio analytics, specializing in developing/deploying rule-based credit decision engines, and credit risk modeling.
- Tech-Savvy & Quantitative: Mastery of SQL, Python, and BI visualization tools; expert at data extraction, ML modeling, and clear data storytelling.
- Credit Strategy/Model-Building Leader: Demonstrated expertise in building, refining, and monitoring credit risk strategies and models.
- Excellent Communicator: Outstanding at distilling complex quantitative concepts for both business and technical audiences; comfortable presenting to senior leaders and translating strategy into actionable steps.
The posted pay range represents the anticipated low and high end of the compensation for this position and is subject to change based on business need. To determine a successful candidate’s starting pay, we carefully consider a variety of factors, including primary work location, an evaluation of the candidate’s skills and experience, market demands, and internal parity.
For roles with on-target-earnings (OTE), the pay range includes both base salary and target incentive compensation. Target incentive compensation for some roles may include a ramping draw period. Compensation is higher for those who exceed targets. Candidates may receive more information from the recruiter.
Top Skills
Navan Palo Alto, California, USA Office
3045 Park Blvd, Palo Alto, CA, United States, 94304
Navan San Francisco, California, USA Office
181 Fremont St. 23rd Floor , San Francisco, CA, United States, 94105
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