Credit Risk Analyst

Job duties:

• Analyze internal and external data—including credit bureau, financial, transactional, and application data —to support and refine credit risk policies for underwriting, credit line adjustments, and account-level decisioning.
• Help create best-in-class credit policies and risk management infrastructure.
• Design and manage data reporting frameworks related to credit risk and fraud by partnering with data engineers and analytics teams.
• Contribute to the automation and optimization of credit risk operations by building decision frameworks and supporting risk modeling.
• Conduct data-driven investigations into potential fraud incidents such as identity theft or account takeovers.
• Perform root cause analysis to improve predictive capabilities for credit defaults and risk exposures.
• Collaborate cross-functionally with product, finance, legal, operations, sales, and marketing to develop and implement credit-related strategies and policies.
• May telecommute within a reasonable commuting distance from the New York office.

Education and Experience required:

Bachelor’s degree in Finance, Economics, Statistics, Applied Mathematics, Computer Science, Data Science, Business Administration, Engineering, Actuarial Science, Information Systems, or Management Science and 2 years in credit risk analysis or related occupation within consumer or small and medium enterprise (SME) lending.

Background:

2 years of experience in the following:

1. Deploying a SQL and Python;
2. MS office applications;
3. Root cause and statistical analysis related to credit defaults and risk exposures;
4. Building and maintaining data pipelines, utilizing SQL and Python, that includes data cleansing, wrangling, visualization, modeling, and interpretation related to credit risk and fraud;
5. dbt for data modeling and transformation related to credit risk and fraud;
6. Working with APIs;
7. Designing and managing data reporting frameworks related to credit risk and fraud;
8. Create underwriting and risk management strategies;
9. Investigating and evaluating efficiency of risk management policies, procedures, and processes; and
10. Partner with cross-functional teams to execute credit policies, improve operational tooling, and shape the risk management infrastructure.

Location:

New York, NY (May telecommute within a reasonable commuting distance from the New York office)

Rate of pay:

$90,000 to $140,000 per year

How to apply:

Email resumes@coastpay.com with job reference #SCRA in subject line.