Note: The job is a remote job and is open to candidates in USA. Prosper Marketplace is the first peer-to-peer lending platform in the United States, known for its innovative approach to personal finance. The Credit Risk Analyst will join the Credit Risk team to develop strategies using advanced analytics and machine learning to manage credit decisions and optimize risk performance.
Responsibilities
- Develop credit and fraud strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions
- Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems
- Design A/B tests and understand the risk and customer experience trade-offs
- Continue to innovate by testing new data, analytics approaches and models
- Partner with Data Science, Product, Engineering and other partner teams to implement credit and fraud prevention strategies, test and validate pre and post performance
- Conduct ad-hoc analysis related to risk management, product, and operations
- Analyze portfolio performance at a granular segment level on an ongoing basis
- Identify trends and conduct root-cause analysis to isolate key performance drivers
- Communicate findings and recommendations to the Risk Management and broader Prosper community
Skills
- Bachelors degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics
- 2+ years of experience with a Bachelors (or less with Masters) managing credit risk and/or fraud and/or data science in consumer lending industry, consumer personal loan / credit card experience is a plus
- Strong analytical and problem-solving skills
- Must have strong proficiency in SQL and Python, Experience with DBT and Looker will be a plus
- Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
- Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required
- Curious to ask questions, probe into reasons and challenge the status quo
- Strong ownership and motivation to drive business result
- Ability to work in fast-paced environment and meet deadlines without sacrificing quality
- Self-starter; comfort dealing with ambiguity
- Experience with DBT and Looker will be a plus
- We will also consider candidates who don't have financial services experience but have strong technology background and analytical skills
Benefits
- Fully remote team member
- A competitive salary
- A 401(k) with a 5% company match
- Flexible time off
- Paid parental leave
- An annual wellness allowance
- Comprehensive health coverage
- Udemy access
- Childcare assistance
- Pet insurance
- Additional savings through Beneplace
Company Overview