Credit Risk Analyst

Your role in our mission

As the first peer to peer lending marketplace in the states, Prosper has a history of innovation. As a growth company that generates cash, Prosper also has a history of generating results. We are looking for team members that share our passion for applied analysis and who would be excited to be part of a mission-driven team.

The successful candidate will join Prosper's Credit Risk team. The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in Prosper's online marketplace. A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to develop verification and fraud strategies using models and data in order to manage credit decisions. An ideal candidate should have strong hands-on analytical skills and a passion for solving problems in innovative and effective ways. The faster and more agile risk strategies keep our marketplace competitive and ensure that we continue to deliver on our mission of advancing financial well-being.

How you'll make an impact

• 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 solve problems
• Design A/B tests and understand the risk and customer experience trade-offs
• Continue to innovate by testing new data, analytical 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 that will help you thrive

• Bachelor's degree with 2+ years of experience, OR a Master's degree with less experience
• Bachelors degree or higher in Business, Statistics, Mathematics, Computer Science, Engineering or Economics
• Background in Credit Risk, Fraud Risk, or Data Science within the consumer lending industry
• Direct experience with consumer personal loans or credit cards is a plus
• Strong analytical and problem-solving skills
• Strong proficiency in SQL and Python is required. Experience with DBT and Looker is a plus
• Strong Communication Skills: Ability to explain complex, technical concepts clearly and concisely to both technical peers and senior leadership
• Knowledge and experience of segmentation, statistical procedures, and financial analytic tools is required
• Curious to ask questions, probe into reasons, and challenge the status quo
• Strong ownership and motivation to drive business results
• Ability to work in a fast-paced environment and meet deadlines without sacrificing quality
• Self-starter; comfortable dealing with ambiguity
• Candidates without financial services experience will be considered if they possess a strong background in technology and demonstrated analytical skills

Resources to help you prosper

• A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported
• Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security
• Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage
• Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace

Interview Process

• Recruiter Call: A brief screening to discuss your experience and initial questions
• Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member
• Technical Interview: Deeper dive into coding skills
• Team/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercise

$102,000 - $140,000 a year

Compensation details: The salary for this position is $102k - $140k annually, plus bonus and generous benefits. In determining your salary, we will consider your location, experience, and other job-related factors.

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About Us

Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.

Prosper's flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at

We're on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that's democratizing finance for all!


Our Values

• Diversity expands opportunities
• Collaboration creates better solutions
• Curiosity fuels our innovation
• Integrity defines all our relationships
• Excellence leads to longevity
• Simplicity guides our user experience
• Accountability at all levels drives results

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Applicants have rights under Federal Employment Laws.

Family & Medical Leave Act (FMLA)

Equal Employment Opportunity (EEO)

Employee Polygraph Protection Act (EPPA)


California applicants: please click here to view our California Consumer Privacy Act ("CCPA") Notice for Applicants, which describes your rights under the CCPA.

Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.


At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.

Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.

*All personal loans are made by WebBank.

¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.