Senior Credit Risk Analyst

Job Title: Senior Credit Risk Analyst

📍 Location: San Jose, CA (Hybrid)

💼 Job Type: Full-time

About the Role

We are seeking a Senior Credit Risk Analyst with strong experience in unsecured lending to support consumer credit products, with a primary focus on credit cards and personal loans.

In this role, you will leverage data-driven insights to shape credit risk strategies, optimize underwriting decisions, and enhance overall portfolio performance. You will collaborate closely with cross-functional teams including Risk, Product, Data Science, and Engineering to balance growth, risk, and customer experience.

Key Responsibilities

• Develop, implement, and monitor credit risk strategies for unsecured lending products
• Analyze portfolio performance, customer behavior, and risk trends to improve approval rates, reduce losses, and increase profitability
• Design and execute A/B tests to evaluate risk policies, cutoffs, and treatment strategies
• Build and maintain dashboards and reports to track key metrics such as delinquency, loss rates, vintage curves, utilization, and approval/decline rates
• Partner with data science and modeling teams to translate model outputs into actionable strategies and policy rules
• Use SQL and Python to extract, clean, and analyze large datasets
• Present insights and recommendations clearly to senior stakeholders
• Ensure compliance with regulatory requirements and internal risk standards
• Contribute to continuous improvement of data, tools, and processes within the Credit Risk function

Required Qualifications

• Bachelor’s degree in a quantitative field (Statistics, Mathematics, Economics, Engineering, Computer Science, Finance) or equivalent experience
• 5+ years of experience in Credit Risk within unsecured lending
• Strong preference for credit cards
• Experience with personal loans is a plus
• Strong proficiency in SQL for handling large datasets
• Experience with Python (pandas, NumPy) for data analysis and automation
• Solid understanding of credit risk concepts including:
• Scorecards
• Cutoffs
• PD / LGD / EAD
• Vintage analysis & loss curves
• Pricing & segmentation
• Experience in underwriting, line management, pricing, collections, or fraud-risk trade-offs
• Strong analytical and problem-solving skills
• Excellent communication skills with ability to translate complex insights into business recommendations

Preferred Qualifications

• Experience in fintech, payments, or digital lending environments
• Familiarity with credit bureau data and alternative data sources
• Experience with A/B testing, experimentation frameworks (champion–challenger)
• Exposure to machine learning–based risk models
• Experience with BI tools such as Tableau, Power BI, or Looker
• Master’s degree in a quantitative discipline (preferred)

Personal Attributes

• Data-driven, detail-oriented, and intellectually curious
• Comfortable working in fast-paced and evolving environments
• Strong collaboration skills across cross-functional teams
• Ownership mindset with the ability to drive initiatives end-to-end

📩 Interested candidates can apply or reach out directly for more details at Karthik@dstechnologiesinc.com