We are delighted to be working exclusively with a confidential client - an innovative, technology-led business operating at the intersection of AI-driven underwriting, consumer lending, and risk management.
On their behalf, we are seeking a Senior Credit Risk Analyst to join a lean, high performing Risk Management team. This is a hands-on, high-ownership role that will suit an experienced credit risk professional who is ready to step away from a large, heavily structured environment and take on genuine analytical accountability - with direct visibility to senior leadership.
Our client is a specialist financial technology company whose core product suite includes an AI-powered underwriting and risk-based pricing platform, used by credit unions and lenders across the country. They hold established partnerships with major automotive lending institutions and in 2025 launched a new product line expanding into prime auto lending.
The Risk Management team is small by design - collaborative, technically rigorous, and highly effective. With three analysts currently in place, the team is split between front-end analytics covering origination and pricing, and back-end analytics focused on portfolio performance and profit share modelling.
What the Role Involves
• Monitoring and analyzing credit risk exposure across loan origination and portfolio performance
• Tracking approval rate drivers, flow metrics, and origination trends, reporting findings to senior leadership
• Building and maintaining performance models and profit share forecast models
• Conducting pricing analysis and optimization in close collaboration with the Actuarial & Decision Science team
• Developing and monitoring credit policies, procedures, and lending stipulations
• Assessing the impact of credit policy changes on loan volume and overall credit performance
• Using data mining and advanced analytical tools to quantify and mitigate credit risk
• Designing and executing ad hoc research projects from scoping through to executive-level presentation
• Communicating clearly and regularly with senior stakeholders on credit performance and origination trends
Essential Requirements
• 4+ years of experience in credit risk analytics within consumer lending (secured or unsecured)
• Strong SQL capability with demonstrable experience querying large, multi-table datasets
• Proficiency in Python, SAS, or R for data mining and analysis (Python strongly preferred)
• Expert-level Microsoft Excel skills including complex workbook development and spreadsheet modelling
• Solid understanding of loan origination metrics and consumer lending portfolio dynamics
• Strong written and verbal communication skills — the ability to translate complex analysis into clear executive insight
• Highly organized, with proven ability to manage multiple workstreams under pressure and to deadline
• Collaborative and proactive in working with internal stakeholders
Desirable
• Background in larger corporate environments with a desire for greater ownership and autonomy
• Master's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field
• Familiarity with auto lending, structured risk products, or insurance-linked financial structures
Education
• Bachelor's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field — required
• Master's degree in a related field — preferred
Why This Opportunity Stands Out
• A highly differentiated product in the auto lending market — you will be working on something technically interesting and commercially significant
• A small team with a flat structure — your work will be seen, valued, and acted upon at the highest levels of the organization
• Flexible working arrangements with a collaborative, close-knit team culture
• Strong employer commitment to technical training and career development
• Excellent total compensation — competitive base with a meaningful and well-structured bonus scheme
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