Credit Risk Analyst

Job Title: Credit Risk Analyst/Associate Location: NYC (3-4 days in office; EST hours) Compensation: $90,000 – $110,000 (depending on experience level) + bonus Responsibilities Perform data analysis across various marketing channels to optimize credit risk, origination volume and funnel conversion. Utilize statistical and segmentation tools to develop data driven business strategies for personal loan products, that balances volume and risk-return targets. Retrieve data and conduct data driven analytics from internal database and external vendor data, utilizing various analytical tools, software and techniques. Forecast delinquency and loss curves for consumer lending products. Develop processes and tools to track, analyze and report monthly portfolio performance of various acquisition channels & drive credit insights. Present the analyses, findings and recommendations to stakeholders across the organization. Execute on a wide range of analyses—descriptive measurement and reporting, dashboarding, ad hoc inquisitive problem solving and predictive forecasting. Help design experiments & A/B test different credit & marketing strategies, create data-backed recommendations to balance credit risk & volume to help make strategic business decision. Engage in model building and feature engineering exercises. Collaborate and work with cross functional team including data science, marketing, product and operations. Qualifications Bachelor’s Degree in Mathematics, Statistics, Econometrics, Operation Research, Computer Science, or other quantitative fields. Proficient using Python to manipulate data and draw insights from large data set. Proficiency in SQL, Snowflake, Tableau is a plus. Skilled in Excel and PowerPoint. Good communication and presentation skills. Experience in data analytics or lending products is a plus. Experience in model training, deployment, and monitoring is a plus. Benefits Healthcare, Life Insurance, 401(k) Match. Paid Time Off, Paid 12-week Parental Leave. Disability (short-term, long-term), Employee Assistance Program. Spending Accounts (Transit/Parking, Medical, Dependent Care). Insurance Discounts (home, auto, pet). Reach Financial is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Reach Financial makes hiring decisions based solely on qualifications, merit, and business needs at the time. #J-18808-Ljbffr TryApplyNow