Data Analyst, Current
Credit Risk
$130-175k
+ Equity + Discretionary performance bonus program
Mobile payments, online banking, and financial services
Be an early applicant
Mobile payments, online banking, and financial services
201-500 employees
Be an early applicant
$130-175k
+ Equity + Discretionary performance bonus program
201-500 employees
Company mission
Current's mission is to create better financial outcomes for people and their unique lives.
Role
Who you are
- Bachelor’s degree in a quantitative field such as Finance, Economics, Mathematics, or Computer Science
- 3+ years of experience in data analytics focusing on credit risk management, preferably with consumer credit cards, Buy Now Pay Later (BNPL) products, or unsecured consumer loans
- 2+ years of experience building data models, reports and dashboards in BI tools
- You are a SQL expert, used to working with complex data sets; converting business problems into SQL is something that comes with ease to you
- Expertise in defining and building meaningful metrics and KPIs
- Intermediate-level expertise in Python
- Prior experience building risk policies, models, rules, and strategies for credit and lending products
- Detailed knowledge of credit bureau data, bank statement transaction data, or alternative credit data providers
- Experience within the startup space is advantageous
- Strong communication, collaboration, and problem-solving skills
- Familiarity with statistical analytics and building ML models
- Excellent communication, requirement gathering and prioritization skills
- Experience with Looker or other business intelligence tools is preferred
- Exposure to dimensional modeling concepts to power meaningful analytics
- Ability to visualize data effectively and communicate insights clearly
- Experience modeling data using dbt
- Experience working with Fintech, banks or a B2C company
What the job involves
- We are seeking a strong Data Analyst with a specialization in Credit Risk. This role blends expertise in data analytics with a deep understanding of credit risk and liquidity products
- Based in our NYC headquarters, you will be instrumental in leveraging data to enhance our credit risk management frameworks and drive informed decision-making
- Develop and maintain data-driven credit risk management frameworks for credit and lending products, including secured credit cards, liquidity products, and future credit offerings
- Construct and optimize credit risk models throughout the credit lifecycle to achieve target risk-adjusted returns
- Collaborate with internal stakeholders to write and refine credit policies/rules and procedures
- Utilize internal, third-party, and credit bureau data to conduct in-depth analyses, identify gaps, mitigate losses, and support product growth
- Drive data modeling requirements for analytics and data engineers
- Build modular data models and dashboards in Looker for efficient and self-serve data analysis for the Banking team
- Explore and build high value datasets to build credit reporting to generate actionable insights and uncover opportunities for the Credit/Banking team to succeed
- Develop and own ongoing processes and reporting mechanisms for existing lending and liquidity products
- Partner with Product and Engineering teams to validate and deploy rules and policies effectively
Our take
Current is a neobank offering digital banking to over 3 million Americans. With a focus on younger generations - Gen Z and millennials - and paycheck-to-paycheck customers, it offers a swathe of innovative services including on-demand pay and overdraft protection to customers underserved by traditional institutions.
Younger customers are expected in the coming years to pivot from legacy institutions to the higher functionality and lower costs of consumer-first neobanks like Current. By netting an average customer age of 27, Current is establishing itself as a pack leader among rival but less well-funded neobanks like Step or Till.
It is also successfully competing with legacy institutions by exploiting the relatively adaptive nature of neobanking: Current has previously offered customers advanced access to stimulus checks, and is seeking to expand into crypto.
Steph
Company Specialist at Welcome to the Jungle
Insights
Few candidates hear
back within 2 weeks
-2% employee growth in 12 months
Glassdoor (4.3)
Trustpilot (4.5)
Company
Funding (last 2 of 6 rounds)
Apr 2021
$220m
SERIES D
Nov 2020
$131m
SERIES C
Total funding: $392.6m
Company benefits
- Company equity
- Flexible vacation policy
- Commuter benefits
- Discretionary bonus program
- Work from home opportunities
- Medical, Dental & Vision
Company HQ
Little Italy, New York, NY
Articles
Leadership
Stuart Sopp
(CEO)Worked as a Trader for BNY Mellon and Deutsche Bank for a combined 9 years before serving as Head of Trading at Citi and Morgan Stanley. Left this role after 5 years to found Current in June 2015, working as CEO ever since.
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