Risk Operations Specialist

Prosper Marketplace; Phoenix (AZ); Hybrid; USD 23,000 - 32,000; Full time

Benefits offered by this job

Hybrid schedule (Wed & Thu in office)

Employer-paid health/dental/vision

20 days PTO + holidays

Udemy access & family support

Job summary

Prosper Marketplace is seeking a self-motivated operations professional to support internal partners on fixed term and revolving credit products. You will review audits, identify root causes, and help remediate issues while following established policies.

The role emphasizes cross-functional collaboration, process improvement, and effective communication. Prosper offers a hybrid schedule, comprehensive health coverage, PTO, and ongoing learning opportunities.

Qualifications

• At least 1-year experience in the financial services industry preferred.
• Credit card servicing experience is a plus.
• Working knowledge and aptitude with GCP preferred.
• Organized, solution oriented, proactive and able to multi-task.
• Able to adapt in a fast-moving role where processes can change quickly.
• Proven track record of effective and collaborative work with cross-functional teams.
• Strong written and verbal communication skills.
• Strong problem-solving skills and ability to work independently.

Responsibilities

• Provide operations support to internal client partners regarding fixed term and revolving credit products.
• Review daily audit reports, conduct research and analysis to identify root cause of issues, remediate identified issues.
• Understand and execute operations policies and procedures.
• Work with stakeholders to identify and resolve servicing issues.
• Review and resolve Credit Bureau Disputes, monitor and facilitate payment flow and resolve system syncing issues.
• Develop and maintain documentation of Controls policies and procedures to drive adoption and adherence across Prosper.
• Serve as a subject matter expert on operations processes, trends, and remediation efforts.
• Identify and communicate to leaders any situation that may require additional review or special handling.
• Identify opportunities for improvements in processes and procedures.
• Foster a collaborative environment in which Prosper team members are encouraged to voice ideas and concerns.

Skills

Analytical skills

Cross-functional collaboration

Prioritization & time management

Communication skills

Problem-solving

Multi-tasking

Adaptability

Ownership mindset

Teamwork

Tools

GCP

Job description

Your role in our mission

We are looking for a self-motivated individual with strong analytical skills and an ability to work cross-functionally. The candidate must be effective with prioritization, organization, and time management skills with a focus on meeting deadlines while producing quality results. This role will be a first line of defense in detecting and remediating servicing issues.

Your role in our mission

We are looking for a self-motivated individual with strong analytical skills and an ability to work cross-functionally. The candidate must be effective with prioritization, organization, and time management skills with a focus on meeting deadlines while producing quality results. This is your chance to become part of the fastest growing Marketplace Lender in a critical role. Prosper provides a fantastic work environment that includes full medical coverage, a PTO policy that encourages appropriate work-life balance, in a comfortable and collaborative office.

Resources to help you prosper

• Compensation & Bonus: $20/hr + annual bonus
• Work-Life Balance: Hybrid schedule with just two collaborative days in-office (Wed/Thu).
• Comprehensive Health & Wellness: 100% employer-paid health, dental, and vision insurance premiums.
• Rest & Time Off: 20 days of paid time off in your first year (increasing annually) plus paid company holidays.
• Continuous Learning & Family Support: Free access to Udemy courses, child and pet care credits via Urban Sitter, Rocket Lawyer legal support, and more.
• Daily Perks & Community: Onsite kitchen loaded with snacks and monthly catered team lunches.

How You'll Make An Impact

• Provide operations support to internal client partners regarding fixed term and revolving credit products.
• Review daily audit reports, conduct research and analysis to identify root cause of issues, remediate identified issues.
• Understand and execute operations policies and procedures.
• Work with stakeholders to identify and resolve servicing issues.
• Review and resolve Credit Bureau Disputes, monitor and facilitate payment flow and resolve system syncing issues.
• Develop and maintain documentation of Controls policies and procedures to drive adoption and adherence across Prosper.
• Serve as a subject matter expert on operations processes, trends, and remediation efforts.
• Identify and communicate to leaders any situation that may require additional review or special handling.
• Identify opportunities for improvements in processes and procedures.
• Foster a collaborative environment in which Prosper team members are encouraged to voice ideas and concerns.

Skills That Will Help You Thrive

• At least 1-year experience in the financial services industry preferred
• Credit card servicing experience is a plus
• Working knowledge and aptitude with GCP preferred
• Organized, solution oriented, proactive and able to multi-task
• Able to adapt in a fast-moving role where processes can change quickly
• Proven track record of effective and collaborative work with cross-functional teams
• Strong written and verbal communication skills
• Strong problem-solving skills and ability to work independently

$20 - $20 an hour

Starts at $20/hr

About Our Operations Team

Rooted in our values, Prosper’s Operations team is driven by how we can improve the customer experience, always thinking there must be a better way. If you are looking for a mission driven company with a great culture, check us out! As a Prosper employee, you will have the opportunity to take ownership of your career - we offer learning opportunities and career development plans. Come join a dedicated, diverse community that will help you discover your fullest potential! Are you ready to Prosper?

About Us

Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.

Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com.

We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!

Our Values

• Diversity expands opportunities
• Collaboration creates better solutions
• Curiosity fuels our innovation
• Integrity defines all our relationships
• Excellence leads to longevity
• Simplicity guides our user experience
• Accountability at all levels drives results

www.prosper.com Our Story & Team // Our Blog

Applicants have rights under Federal Employment Laws. Family & Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA).

C alifornia applicants: to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.

Illinois applicants: to view our Artificial Intelligence Notice for Applicants.

At Prosper, we're looking for people with passion, integrity, and a hunger to learn. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being. Prosper is committed to an inclusive and diverse workplace.

All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.

• All personal loans are made by WebBank.

¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.