Credit Risk & Fraud Data Analyst (Remote)

Prosper; Phoenix (AZ); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

401(k) with 5% company match

Udemy access

Childcare assistance

Pet insurance

Annual wellness allowance

Comprehensive health coverage

Beneplace savings

Job summary

Prosper is seeking a Credit Risk Analyst to join our Credit Risk team in Phoenix. You will develop credit and fraud strategies using SQL, Python, and ML techniques to optimize risk decisions in our online marketplace.

Candidate should have 2+ years of experience in credit or data science, strong analytical skills, and ability to communicate insights to leadership. We value initiative, collaboration, and the ability to work in a fast-paced fintech environment.

Qualifications

• Bachelor’s degree with 2+ years of experience, OR a Master’s degree with less experience
• Bachelor’s degree or higher in Business, Statistics, Mathematics, Computer Science, Engineering or Economics
• Background in Credit Risk, Fraud Risk, or Data Science within the consumer lending industry
• Direct experience with consumer personal loans or credit cards is a plus
• Strong analytical and problem-solving skills
• Strong proficiency in SQL and Python is required. Experience with DBT and Looker is a plus
• Strong communication skills to explain complex concepts to peers and leadership
• Knowledge of segmentation, statistical procedures, and financial analytic tools
• Curious, asks questions, and challenges the status quo
• Ownership and drive to deliver results
• Ability to work fast-paced, meet deadlines, and handle ambiguity
• Candidates from non-financial services with strong analytical skills will be considered

Responsibilities

• Develop credit and fraud strategies using data, ML models, and analytics to optimize risk decisions
• Propose innovative approaches to risk assessment and recommendations
• Design A/B tests and weigh risk vs. customer experience trade-offs
• Experiment with new data and modeling approaches to improve risk outcomes
• Collaborate with Data Science, Product, Engineering and other teams to implement risk strategies
• Perform ad-hoc risk analyses related to product and operations
• Analyze portfolio performance at detailed segment levels
• Identify trends and root causes driving performance
• Present findings and recommendations to Risk Management and Prosper teams

Job description

Prosper is seeking a Credit Risk Analyst to join our Credit Risk team in Phoenix. You will develop credit and fraud strategies using SQL, Python, and ML techniques to optimize risk decisions in our online marketplace.

Candidate should have 2+ years of experience in credit or data science, strong analytical skills, and ability to communicate insights to leadership. We value initiative, collaboration, and the ability to work in a fast-paced fintech environment.