Credit Risk Analyst

Job Overview As the first peer‑to‑peer lending marketplace in the United States, Prosper has a history of innovation and results. The Credit Risk team uses analytics to develop strategies that govern automated decisions in Prosper’s online marketplace. A Senior Credit Risk Analyst will utilize advanced analytical skills to develop verification and fraud strategies using models and data in order to manage credit decisions. How You’ll Make An Impact Develop credit and fraud strategies to improve 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 That Will Help You Thrive Bachelor’s degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics. 2+ years of experience with a Bachelor’s (or less with Master’s) managing credit risk and/or fraud and/or data science in consumer lending; 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 is a plus. Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and senior management. 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 results. Ability to work in a fast‑paced environment and meet deadlines without sacrificing quality. We will also consider candidates who don’t have financial services experience but have strong technology background and analytical skills. Self‑starter; comfortable dealing with ambiguity. Benefits A competitive salary of $122,000 – $140,000 per year, plus bonus and generous benefits. We provide a 401(k) with a 5% company match. Comprehensive health coverage and an annual wellness allowance. Flexible time off and paid parental leave. Access to Udemy and other professional development resources. Childcare assistance, pet insurance, and additional savings through Beneplace. Equal Employment Opportunity Prosper is committed to an inclusive and diverse workplace. All aspects of employment are 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. Qualified applicants who are non‑US citizens will be considered for employment and will be provided green card sponsorship. Applicants have rights under Federal Employment Laws; Family & Medical Leave Act (FMLA); Equal Employment Opportunity (EEO); Employee Polygraph Protection Act (EPPA). California applicants: view the California Consumer Privacy Act (“CCPA”) Notice for Applicants. Illinois applicants: view the Artificial Intelligence Notice for Applicants. #J-18808-Ljbffr