Credit Risk Analyst

San Francisco, CAFinance – Credit Risk Management /Full-Time Employee /HybridYour role in our missionAs 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 impactDevelop credit and fraud strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisionsBring innovative/out of the box thinking to make recommendations and to approaching/solving problemsDesign A/B tests and understand the risk and customer experience trade-offsContinue to innovate by testing new data, analytics approaches and modelsPartner with Data Science, Product, Engineering and other partner teams to implement credit and fraud prevention strategies, test and validate pre and post performanceConduct ad-hoc analysis related to risk management, product, and operationsAnalyze 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 communitySkills that will help you thriveBachelors degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics.2+ years of experience with a Bachelors (or less with Masters) managing credit risk and/or fraud and/or data science in consumer lending industry, consumer personal loan / credit card experience is a plusStrong analytical and problem-solving skillsMust have strong proficiency in SQL and Python, Experience with DBT and Looker will be a plus.Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management teamKnowledge and experience of segmentation, statistical procedures, and financial analytic tools are requiredCurious to ask questions, probe into reasons and challenge the status quoStrong ownership and motivation to drive business resultAbility to work in fast-paced environment and meet deadlines without sacrificing qualityWe will also consider candidates who don’t have financial services experience but have strong technology background and analytical skillsSelf-starter; comfort dealing with ambiguityResources to help you prosperA 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.$122,000 - $140,000 a yearCompensation details: The salary for this position is $122k - $140k annually, plus bonus and generous benefits. In determining your salary, we will consider your location, experience, and other job-related factors.#LI-AW1About UsProsper 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 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 ValuesDiversity expands opportunitiesCollaboration creates better solutionsCuriosity fuels our innovationIntegrity defines all our relationshipsExcellence leads to longevity Simplicity guides our user experience Accountability at all levels drives resultsOur Story & Team // Our BlogApplicants 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.