Lead Credit Analytics for Consumer Lending Growth

Rate; United States; On-site; USD 140,000 - 210,000; Full time

Job summary

Rate is building one of the industry’s most ambitious consumer lending platforms. We’re seeking a Manager of Credit Analytics, Consumer Lending to strengthen credit and profitability analytics across underwriting, pricing, and portfolio management as Rate scales its Consumer Lending business.

In this role, you’ll shape the analytical framework, apply ML/AI models, and drive data-driven decisioning to improve approval rates, pricing, and portfolio performance while ensuring risk controls and

Qualifications

• 5+ years in credit strategy or consumer risk roles.
• Strong understanding of modern credit decisioning and digital lending.
• Experience with mortgage/Home equity and unsecured lending preferred.
• Ability translate insights into scalable business strategies.
• Proficiency with AI tools to improve efficiency.
• Experience implementing and optimizing credit scoring.

Responsibilities

• Shape analytics and decision strategy across underwriting and pricing.
• Apply data, ML/AI models to improve risk-adjusted returns.
• Translate findings into actionable recommendations.
• Integrate bureau, cash flow, and alternative data.
• Monitor portfolio performance by segments.
• Partner with product, engineering, and finance on testing.
• Lead growth and testing across lending products.
• Collaborate with internal analytics teams and external providers.

Skills

Credit analytics

Data analysis

ML/AI in credit

Risk management

Decision science

Portfolio optimization

Tools

SQL

Python

R

Excel

Credit risk tools

Job description

Rate is building one of the industry’s most ambitious consumer lending platforms. We’re seeking a Manager of Credit Analytics, Consumer Lending to strengthen credit and profitability analytics across underwriting, pricing, and portfolio management as Rate scales its Consumer Lending business.

In this role, you’ll shape the analytical framework, apply ML/AI models, and drive data-driven decisioning to improve approval rates, pricing, and portfolio performance while ensuring risk controls and