DigniFi

• Work with data/engineering team to establish and measure key performance metrics for implemented product solutions. Also develop long term strategies to improve and optimize. • Primary owner of assigned product domain (ex: dealer, consumer, partner, internal, etc) - assessing market needs and business value to meet organization goals. • Work with internal stakeholders (ex: Risk, Compliance, Servicing, etc) on project alignment and requirements. • Track progress against plan and resolve any variances as soon as they are identified. • Prioritization of new features based on usability, functionality, and user experience. • Maintain a complete backlog of all the activities, processes, and workflows of all the relevant teams, stakeholders, and any external influencers and consultants.

About the Role Ready to shape how we take smart risk while expanding access to credit? As a Credit Risk Analyst, you’ll help design and refine the credit strategies that sit at the heart of our business. You’ll dig into approval rates, loss outcomes, and portfolio trends across segments and vintages, then turn those insights into recommendations on credit policy, decisioning rules, pricing, and terms that balance growth with disciplined risk management. Working in a modern fintech environment, you’ll monitor model and scorecard performance, support scenario and tradeoff analysis, and deliver insights that inform credit strategy. This role offers the chance to build deep expertise in consumer lending risk while helping more customers access responsible, transparent financing for the auto repairs and essentials they depend on. What You Will Do: Credit Policy & Decisioning Analytics Analyze credit policy performance including approval rates, decision distributions, and cutoff effectiveness. Support evaluation of credit strategy metrics and tiering strategies. Monitor automated decisioning rules and identify opportunities for optimization. Provide analytical support for policy changes, limit adjustments, and offer structure refinements. Portfolio Credit Performance Monitoring Produce recurring credit performance reporting across segments, tiers, and vintages. Track origination quality metrics, early payment defaults, and delinquency emergence by cohort. Analyze credit attribute distributions, score migrations, and performance vs. expectations. Maintain dashboards and scorecards that support internal decision-making and investor/capital partner reporting. Approval Rate & Loss Tradeoff Analysis Model tradeoffs between approval rates, expected loss rates, and portfolio yield. Conduct segment-level profitability analysis to inform risk appetite decisions. Support scenario analysis and simulation frameworks for proposed policy changes. Analyze swap-in/swap-out populations to evaluate potential decisioning rule adjustments. Pricing & Terms Strategy Support Analyze pricing effectiveness across risk tiers, products, and channels. Support evaluation of term structures, APR strategies, and fee configurations. Provide data and insights connecting pricing decisions to portfolio economics and competitive positioning. Credit Model & Scorecard Support Monitor credit model and scorecard performance (rank-ordering, KS statistics, Gini coefficients). Support model validation activities by preparing performance data and back-testing analysis. Analyze model input variables and feature importance to inform future model development. Collaborate on model performance reviews and enhancement opportunities. Cross-Functional Collaboration Partner with collections, servicing, and fraud teams to ensure aligned metric definitions and portfolio health understanding. Collaborate with finance on loss forecasting inputs, CECL analysis, and reserve adequacy. Support investor and board reporting with transparent loan-level data and performance analytics. Engage with technology teams on data access, decisioning platform enhancements, and reporting infrastructure. . Who You Are: Salary: The salary range for this position is $72,000 - $90,000 a year.  DigniFi salary ranges are determined by role, level, and location. The salary range displayed in each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Please note, the base pay offered may vary within the range depending on a wide array of factors including but not limited to work location, job-related knowledge/skills, relevant education/training, and level of experience. Please note that the compensation details listed in postings reflect the base salary only, and do not include bonuses or benefits.

• Sales Support: Collaborate closely with the District Sales Manager to develop sales opportunities within the assigned market. • Assist in preparing sales presentations, proposals, and contracts. • Lead account growth strategy and provide regular updates to the District Sales Manager. • Conduct research on market trends, competitors, and customer needs to provide insights to create new sales initiatives. • Launch new stores, engaging all stakeholders and training all staff. • Client Relationship Management: Serve as the primary point of contact between the company and assigned accounts, building strong relationships with key stakeholders to ensure a positive and productive relationship. • Proactively address client inquiries, concerns, and requests promptly to ensure exceptional service and satisfaction. • Conduct regular check-ins and meetings with accounts to assess satisfaction and identify opportunities for improvement and growth. • Develop and execute strategies to achieve or exceed assigned revenue growth and retention targets. • Account Maintenance: Ensure timely contract delivery and resolution of any logistical issues. • Maintain accurate account records in Salesforce, including customer information, communications, and sales activity. • Monitor and track key account metrics, such as GMV growth. • Use data-driven insights to identify trends and recommend actionable solutions. • Team Collaboration: Act as a liaison between customers and internal departments (e.g., merchant support, finance, and customer service) to ensure smooth account management. • Support the District Sales Manager with administrative tasks, reporting, and follow-ups. • Participate in team meetings to share account updates and contribute to strategic planning.