Credit Risk Manager

Deferit; New York (NY); Remote; USD 100,000 - 145,000; Full time

Job summary

Join a dynamic FinTech startup as a Credit Risk Manager, where you will leverage your data expertise to shape innovative lending products. This role offers the chance to collaborate across teams, utilizing data to develop risk strategies and enhance portfolio performance. You'll be at the forefront of revolutionizing bill payments, driving insights that lead to impactful changes. If you're passionate about data and eager to tackle challenges in a high-performance environment, this is the perfect opportunity for you to grow and make a difference in the financial landscape.

Qualifications

• 3-5 years of experience in a data-focused risk role, preferably in consumer credit risk.
• Proficient in SQL and Python with experience in data analysis.

Responsibilities

• Develop dashboards and metrics to monitor credit risk portfolio performance.
• Analyze data using SQL and Python to derive actionable insights.

Skills

SQL

Python

Data Analysis

Machine Learning

Collaboration

Communication

Tools

Spark

Databricks

Job description

This range is provided by Deferit. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$100,000.00/yr - $145,000.00/yr

About Us

We are a dynamic FinTech startup revolutionizing bill payments, one bill at a time. Since our launch in February 2018, we’ve expanded across Australia and the United States, helping hundreds of thousands of people manage and pay millions of bills. Our mission: to help people build a happier relationship with their money, starting with their bills.

About the Role

We are seeking an enthusiastic Credit Risk Manager with 3-5 years of practical risk experience to join our team. This role requires extensive use of data to monitor, review, and derive insights and develop risk and credit strategies. It offers the opportunity to dive deep across multiple functions, spanning the Data team to develop new underwriting models, the Product team to develop new products, features, and pricing models, the Corporate team to help facilitate discussions with debt and equity investors, and more. As a Credit Risk Manager you will play a pivotal role in shaping the future of our lending products and ensuring a sustainable, performant portfolio.

About You

You're a thoughtful, driven individual who wants to learn, grow, and solve hard problems. You possess an innate curiosity for data and understanding underlying trends and mechanisms driving behavior. You thrive in a high performance environment and demand ownership and accountability over your outcomes in order to meet business goals.

Responsibilities

• Develop and maintain dashboards and performance metrics to monitor risk with a focus on our credit portfolio.
• Analyze data using SQL and Python to derive actionable insights.
• Evaluate borrower profiles, payment behavior, and portfolio performance to identify trends and areas of improvement.
• Review & build upon existing ML models to target gains in performance benchmarks.
• Conduct risk assessments and portfolio stress tests.
• Generate reports to communicate findings and recommendations to stakeholders.
• Monitor and measure performance across the payment lifecycle, encompassing collections and dispute management.
• Develop and implement strategies to minimize delinquency rates and optimize recovery outcomes.
• Continuously improve risk assessment frameworks and methodologies.
• Identify opportunities for automation and efficiency in workflows.

Required Skills

• 3-5 years of experience in a data-focused risk role (exposure to consumer credit risk is preferred)
• Extensive experience with SQL and Python, or other scripting languages. Experience with Spark and Databricks is a plus.
• Experience/knowledge with Machine Learning is a plus.
• Ability to collaborate and influence across different teams in the organization.
• Ability to communicate findings and recommendations clearly to both technical and non-technical audiences.
• Curious and passionate to learn new things and think outside the box.
• A passion for finding insights in data and driving changes based on those insights.

Pay range and compensation package

• NY based: $115k - $145k
• Remote: $100k - $130k

Additional Information

A background and police check will be required as part of the recruitment process. Applicants must hold citizenship or permanent residency. No visa sponsorship available.

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance and Sales