Meet DigniFi.
Credit Risk Analyst
Location
United States
Posted
2 days ago
Salary
$72K - $90K / year
Seniority
Senior
Job Description
Credit Risk Analyst
DigniFi
• 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 • 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 • 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 • 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 • 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 • 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
Job Requirements
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or related quantitative field
- Minimum 3–5 years of experience in credit risk analytics, underwriting analytics, or portfolio analytics (consumer lending preferred)
- Demonstrated experience using SQL and Python (or R) in a professional analytics environment
- Experience with credit policy analysis, approval rate monitoring, vintage analysis, or loss forecasting
- Exposure to decisioning platforms, credit bureaus, or underwriting systems
- Strong understanding of consumer lending products, credit risk metrics, and underwriting workflows
- Experience with credit scorecards, model performance monitoring, or model validation support
- Experience designing or evaluating A/B tests or controlled experiments
Benefits
- Flexible PTO
- 12 Paid Holidays
- Up to 80% Employer-Paid Premiums for Medical, Dental and Vision Insurance
- Long-term Disability Insurance
- Basic Life Insurance
- Paid Parental Leave
- Matching 401K
- 100% Remote Work
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