Credit Risk Analyst

Reach Financial’s Risk and Decision Science team consists of a group of Data Scientists and Analytics Professionals covering all the lending products. We are passionate about data and cutting-edge technology. Our goal is to leverage the data to drive the business growth agenda. The Risk and Decision Science team works cross functionally with other business units to ideate, hypothesize, analyze and test, formalize, implement, maintain, and track progresses for all initiatives.

• →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.
• →Engage in model building and feature engineering exercises.
• →Collaborate and work with cross functional team including data science, marketing, product and operations.

• Bachelor’s Degree in Mathematics, Statistics, Econometrics, Operation Research, Computer Science, or other quantitative fields.
• Proficient using Python to manipulate data and draw insights from large data set
• Proficiency in SQL, Snowflake, Tableau is a plus
• Skilled in Excel and PowerPoint
• Good communication and presentation skills
• Experience in data analytics or lending products is a plus
• Experience in model training, deployment, and monitoring is a plus

Our culture is built around advancing our teams, and we are dedicated to the success and growth of every team member. We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning. Our generous benefits packages reflect that.

We’ve been hard at work perfecting our product for years, and now we’re growing faster than ever before. Our strong foundation and company culture is readily equipped for this growth, and we believe that with the right people, our products will continue to help customers make real changes in their financial lives.