Senior Credit Analytics Manager, Empower Finance
$150-210k
+ Equity and bonus
Credit health & financial management app
Be an early applicant
Credit health & financial management app
101-200 employees
Be an early applicant
$150-210k
+ Equity and bonus
101-200 employees
Company mission
To expand access to fair credit to give anyone in the world the opportunity to improve their financial security and mobility.
Role
Who you are
- This is a high-impact role for someone who thrives at the intersection of analytics, customer insight, and cross-functional execution
- B.S. degree in engineering, business, finance, computer science or mathematics
- 4+ years industry experience in data analytics and credit risk management
- Strong analytical and problem-solving skills; able to develop strategies from data and execute them in the real world
- Experience working cross-functionally with Product, Engineering, and external vendors
- Comfortable owning complex, ambiguous workstreams with end-to-end accountability
- Strong customer empathy and a passion for helping underserved populations improve their financial health
- Experience designing tests and building credit policies
- Ability to independently run own analyses in Python (SQL ok replacement)
- (Preferred) At least two year at a bank or FinTech working in credit analytics
What the job involves
- Empower is searching for a talented analyst to lead the development of strategies and tools that help customers get and stay current
- You’ll be responsible for building and scaling Empower’s loss mitigation toolkit for our Credit Card product
- This role will sit on the Credit and Data Science team, but you will partner closely with Product, Engineering, Legal, Compliance, Finance, and third-party vendors to design and implement solutions that improve losses while meeting customer needs
- This is a unique opportunity to shape a new function within a growing fintech company and have a direct impact on customer outcomes and bottom-line performance
- Travel for company offsites is expected at a minimum 2 times a year
- You'll identify and close gaps in Empower’s loss mitigation toolkit by evaluating industry-standard offerings and partnering with Product and Engineering to develop essential tools that address customer needs and drive recoveries
- Launch and manage partnerships with Debt Settlement Companies, including initial onboarding, product and policy design, ongoing monitoring, and iterative testing to optimize recovery and take rates
- Manage and optimize Empower’s relationship with our third-party Collections vendors, including monitoring outcomes, troubleshooting performance gaps, and deploying test strategies to improve right party contact rates and recoveries
- Own the strategy and roadmap for delinquent customers, including sizing opportunities, setting priorities, and continuously iterating on programs to maximize impact
- You'll collaborate effectively across the business with Product & Engineering to build backend and customer-facing tools aligned to strategy
- With Operations and External Vendors to ensure smooth execution and feedback loops
- With Compliance and Legal to ensure offerings meet regulatory standards
- With Finance to forecast recoveries and evaluate business impact
Application process
- Initial Recruiter Call: A conversation to learn about your experience and what you're looking for in your next role
- Hiring Manager Interview: A deeper discussion about your background and the Lead Credit Manager about the opportunity
- Skills Panel: Meet with Empower team members to discuss your expertise and problem-solving approach
- Leadership Conversation: A final conversation with our CEO to discuss how you'll contribute to Empower's mission (and how we can help you achieve your career goals along the way)
Our take
An individual’s credit score greatly influences their life, affecting their ability to rent, receive loans, buy a house, and access affordable interest rates. But you have to have credit to build credit, leaving a lot of people in a catch-22 situation. Empower is a mobile-only app that makes credit more inclusive and accessible, helping customers achieve their credit health goals regardless of their credit history (or lack thereof).
Though other FinTech companies such as Mint or Personal Capital also offer impressive financial tracking for their customers, Empower’s comprehensive set of personal finance features including cash advance and automatic savings offerings make it a better choice for people who want to use a single app to manage their finances.
By empowering people to take control of their money through its range of financial services, Empower is working to break the cycle of paycheck-to-paycheck living. Backed by Blisce, Defy Ventures and Quiet Capital, the company has been significantly growing its revenue in recent years and was recognized in the 2022 Inc. 5000 list of the fastest-growing companies in the US.
Freddie
Company Specialist at Welcome to the Jungle
Insights
45% employee growth in 12 months
Trustpilot (1.9)
Company
Funding (last 2 of 3 rounds)
Sep 2022
$75m
LATE VC
Mar 2020
$20m
SERIES A
Total funding: $99.5m
Company benefits
- Generous equity package
- Full healthcare benefits
- Unlimited personal vacation
- Technology expense reimbursement
- Work from anywhere
Company HQ
Mission District, San Francisco, CA
Leadership
Warren Hogarth
(CEO)Previous Partner at Sequoia Capital and is an Early Investor/Company Builder for multiple companies.
Justin Ammerlaan
(CTO)Founder of Ammerlaan Initiatives and Co-Founder of White Room Trading. Previously worked as a Senior Software Engineer at SDM and a Technical Architect at Fujitsu.
Share this job
View 9 more jobs at Empower Finance