Senior Credit Risk Analyst

Reach Financial, LLC. seeks a Senior Credit Risk Analyst in New York, NY responsible for the following:

• Perform data analysis across various marketing channels to optimize credit risk, origination volume and funnel conversion.
• Utilize statistical and segmentation tools to develop data driven business strategies for personal loan products, that balances volume and risk-return targets.
• Retrieve data and conduct data driven analytics from internal database and external vendor data, utilizing various analytical tools, software and techniques.
• Forecast delinquency and loss curves for consumer lending products.
• Develop processes and tools to track, analyze and report monthly portfolio performance of various acquisition channels & drive credit insights.
• Present the analyses, findings and recommendations to stakeholders across the organization.
• Execute on a wide range of analyses- descriptive measurement and reporting, dashboarding, ad hoc inquisitive problem solving and predictive forecasting.
• Help design experiments & A/B  test different credit & marketing strategies, create data-backed recommendations to balance credit risk & volume to help make strategic business decision.
• Collaborate and work with cross functional team including data science, marketing, product and operations.
• Own a key area of analytics, including completing tasks on schedule and being a subject matter expert on said area
• Extract insight or detect issues from analysis independently

 This position allows for a hybrid schedule with three (3) days in office and two (2) days remote.

Minimum Requirements:          

Master’s degree (or foreign equivalent) in Mathematics, Statistics, Econometrics, Operation Research, Computer Science, or related field and four (4) years of experience with SQL and Snowflake; using credit bureau (Experian, TransUnion, Equifax) data and risk models built using that data to create underwriting guidelines, set risk tiers, and determine pricing; modeling cash flows (profit and loss modeling) for installment loan products, including loss forecasting and population segmentation; and Installment Loans and Consumer Lending Products.  Must have at least two (2) years of experience with Python to manipulate data and draw insights from large data set.

Salary: $181,000.00 – 191,000.00 per year

Apply at: https://www.reach.com/corporate/careers, reference ID #282. Reach Financial, LLC is an EEO/AA employer. No calls.