Senior Credit Risk and Policy Analyst, Happy Money

• 2-4 years of related experience
• Business acumen and work experience in the Consumer Lending Business
• High-caliber critical thinking and problem solving skills for all kinds of business problems
• Consistently demonstrates high levels of domain expertise such as underwriting of unsecured consumer loans
• Drives solutions through defining requirements all the way to implementation with minimal guidance
• Technical: High level of experience with SQL, Tableau, and R/Python
• Provides subject matter expertise insights and guidance to team members
• Experience presenting to Executive and Senior Leadership

Desirable

• Happy Money is looking for a talented Senior Credit Risk and Policy Analyst to join the Risk & Analytics team! As part of the broader Risk, Science, and Analytics org, you will partner with Data Science to monitor, revise, and execute strategic directives to optimize our lending practices and lending policies. We are a tight-knit team that values progress over perfection, systems over goals, simplicity over complexity, and curiosity over complacency
• This role will be responsible for utilizing credit bureau data, business analytics, and loan performance to draw strategic insights using data and analysis to inform decisions and support the company's overarching strategic goals relative to loss prevention and profit optimization
• Identify and define key business metrics (i.e. eligible demand, conversion rates, loss actuals v. forecasts) that keep the company moving forward with confidence
• Own credit policies throughout the lending process including frontline decisioning, pricing, fraud, verifications, and servicing
• Manage portfolio health and loan performance and working cross-functionally with teams such as Product, Operations and Financial Partner teams
• Understand credit risk, monitor performance of strategies and portfolio while documenting and communicating results, escalating issues as they arise
• Uncover opportunities to grow the business in a sustainable and responsible manner by mitigating risk, protecting partner returns, and putting members in the best position to succeed financially