Senior Credit Risk Analyst

Senior Credit Risk AssociateLocation: Chicago (Hybrid, 3 days per week)Salary: $115,000 to $130,000 base plus 15 percent bonus paid quarterlyVisa sponsorship not availableA fast-growing, data-driven financial services company is seeking a Senior Credit Risk Associate to join its analytics function and support credit acquisition strategy. This role focuses on making disciplined, data-led credit decisions that balance growth, risk, and regulatory compliance.This is a strong opportunity for an experienced credit analyst who enjoys combining hands-on analytics with strategic input and cross-functional collaboration.The RoleThe successful candidate will focus on pre-enrollment credit risk strategy and play a key role across the customer lifecycle.Key responsibilities include:Developing and enhancing credit risk strategies across acquisition and early lifecycle stagesAnalysing application data, credit bureau reports, trade lines, and portfolio performancePartnering with model development teams on scorecards and machine learning modelsMonitoring early risk indicators and overall portfolio healthEnsuring compliance with ECOA, FCRA, and UDAAP regulationsPresenting insights and recommendations to senior stakeholdersCollaborating closely with sales, operations, and legal teamsConducting market and industry research to inform strategyAbout YouThis role suits someone who is analytically strong, commercially aware, and comfortable influencing decision-making.Required experience:4+ years of experience in credit analytics, underwriting, or consumer lendingStrong background in acquisition strategy and credit decisioningAdvanced SQL skillsExperience with Python or R preferredFamiliarity with Tableau, Snowflake, and cloud data environmentsExperience working with credit bureau data, scoring models, and underwriting frameworksBackground in consumer-facing financial services or lendingInterview ProcessShort SQL-based technical assessmentVirtual interview with the hiring managerFinal interview with senior commercial leadershipWhy Apply?High-impact role within a growing analytics teamStrong business performance without aggressive headcount expansionClear exposure to senior stakeholders and decision-makersComprehensive benefits including employer-paid healthcare, flexible time off, and a 401(k) with immediate vesting