Credit Risk Analyst

Broadgate are partnered with an exciting Fintech Credit Card company who are looking for a Credit Risk Analyst to join during a period of growth.

They are based in New York but are open to individuals who are fully remote.

Accountabilities

• Serve as the primary resource for analytical risk-related tasks, with a focus on 90% credit and 10% on fraud, KYB, servicing, compliance, unit economics, and capital markets.
• Collaborate with underwriting and risk operations to develop robust risk policies, dedicating about 70-80% of your time to analysis and credit policy creation, 20% to system improvements, and 0-10% to modeling (subject to change over time).
• Identify gaps in risk systems independently, devise solutions, and drive their implementation to completion.
• Partner with engineering and product teams to build a scalable risk management system.
• Work with growth and customer experience teams to enhance the profitability of the portfolio and improve customer interactions with risk systems and controls.

Experience Required

• Possess three or more years of experience in analytical roles, with at least one year focused on credit risk, and have a solid understanding of commercial credit.
• Proficient in SQL (non-negotiable).
• Have a growth mindset, consistently upgrading your skill set each year.
• Tenacious and persistent in solving tough problems, demonstrating this trait in various aspects of your life.
• Systems-oriented, with a preference for applying systems, logic, code, and automation to unsolved problems.
• Understanding of risk modeling concepts and techniques.
• Ability to transform your own data using DBT and write Python code when necessary.
• Knowledge of financial accounting.
• Experience communicating complex analysis to executives.
• Background in best-in-class fintech, quantitative hedge funds, or financial institutions.
• Understanding of e-commerce businesses and/or business credit cards.