Credit Research Analyst (27845)

Description

Credit Research Analyst

Location: Charlotte NC (Hybrid on-site)

Team: Credit & Pricing

Reports to: Senior Manager Credit Risk

Level: 15 years of experience

PLEASE READ BEFORE APPLYING

WORK AUTHORIZATION

Sunlight Financial does not provide immigration or visa sponsorship for this or any position now or at any point in the future. We do not sponsor transfer or extend any visa status and we do not participate in training programs that require employer enrollment certification or reporting.

Applicants must be authorized to work in the United States for any employer without sponsorship on an ongoing and indefinite basis.

Work authorization that is time-limited tied to a school or training program or that would require sponsorship or an employer-supported extension to continue does not meet this requirement regardless of how much time remains on it. If that describes your situation this role is not a fit and we ask that you not apply.

Applicants will be asked to confirm this at the time of application. Sunlight verifies work authorization for all employees as required by federal law.

LOCATION

This role is based in our Charlotte NC office on a hybrid schedule. We are not able to offer a fully remote arrangement. If you are not currently in the Charlotte area you will need to be relocated and ready to work on-site in a reasonable timeframe.

APPLICATION INSTRUCTIONS
To be considered for this position please include the exact job title Credit Research Analyst in red font at the very top of your resume. Applications that do not include this requirement may not be considered.

About Sunlight Financial

Sunlight Financial is a technology-enabled point-of-sale financing platform that empowers residential home improvement contractors and their customers. Our platform streamlines consumer finance with fast frictionless loan approvals and funding backed by a broad network of capital providers. We are committed to delivering smart secure and scalable financial solutions that drive growth and trust across the industry.

Learn more at .

About the Role

The Credit & Pricing team decides who Sunlight lends to on what terms and at what price. The Credit Research Analyst is the person who turns that work into evidence. You will build and own the data that drives credit policy decisions the pipelines that feed them the reporting that monitors them and the analysis that tests whether a policy is doing what we thought it would.

This is a small team working on ambiguous problems so the role is hands-on and the ownership is real. You will be handed a question a database and the expectation that you come back with an answer you can defend.

What Youll Own

• Definite our analytics platform. You will own it including the performance and investor tape refreshes that our company depends on.
• Credit and portfolio reporting. Build and maintain the recurring reporting the team our lenders and our investors rely on and be accountable for it being right.
• Data pipelines. Design automate and monitor the Python workflows that move and transform credit and loan performance data.
• Credit research and ad hoc analysis. Answer questions from Credit Finance Underwriting Capital Markets and Product with analysis that is timely well structured and holds up to scrutiny.
• Data quality and documentation. Maintain the definitions standards and documentation that keep our credit data trustworthy as the portfolio grows.

• Authorized to work in the United States for any employer without sponsorship now and on an ongoing and indefinite basis.
• Able to work a hybrid schedule in our Charlotte NC office.
• 15 years of hands-on analytical experience. We care more about what you have built and owned than about how many years it took.
• Strong SQL with experience querying and transforming real-world datasets that were not cleaned for you.
• Hands-on Python across more than one context such as data wrangling automation analysis or API integration.
• Experience building or contributing to data pipelines or automated workflows.
• Strong written and verbal communication. You can explain technical findings to someone who will make a business decision based on it.

Nice to Have

• Exposure to consumer lending credit risk fintech or financial services.
• Experience with dashboarding and reporting tools and a track record of visualizations
• Familiarity with analytical database work generally.
• Hands-on experience with LLM APIs.
• Experience on a small fast-moving team where the scope was not fully defined.

Why Join Us

This is a high-impact seat on a small team whose decisions move real money. Your work will be read by our Head of Credit our capital partners and our investors. You will have visible ownership from your first quarter and you will learn consumer credit from the inside rather than from a dashboard.

For additional details surrounding Sunlights culture and benefits please visit Equal Opportunity Employer

Sunlight provides equal employment opportunities (EEO) to all employees and applicants for employment regardless of race color religion sex national origin age disability or addition to federal law requirements Sunlight complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment including recruiting hiring placement promotion termination layoff recall transfer leaves of absence compensation and training.

Sunlight expressly prohibits any form of workplace harassment based on race color religion gender sexual orientation gender identity or expression national origin age genetic information disability or veteran status. Improper interference with the ability of Sunlights employees to perform their job duties may result in discipline up to and including discharge.

101 N. Tryon Street Suite 900

Charlotte NC 28246

Phone

Fax

Required Experience:

IC