Senior Business Analyst - Credit Risk Strategy

Harnham; Dallas (TX); On-site; USD 100,000 - 118,000; Full time

Job summary

Harnham is seeking a Senior Business Analyst to join its Risk Strategy & Analytics team. The role focuses on risk strategy, customer qualification decisioning, and fraud-related initiatives, with opportunities to expand into broader operational projects over time.

The successful candidate will act as an internal consultant, translating data-driven insights into strategic recommendations, influencing senior leadership, and driving initiatives from analysis through to implementation and monitoring.

Qualifications

• 5+ years of analytics, risk strategy, credit analysis, or related field.
• Experience supporting decision-making within risk-focused or financial-services environment.
• Background in consumer lending, credit products, auto finance, mortgage lending, collections/recoveries, fraud analytics/strategy, or consumer finance.

Responsibilities

• Serve as a strategic analytics partner to business leaders and cross-functional stakeholders.
• Analyze risk, approval, and performance data to identify opportunities that improve outcomes while managing exposure to loss.
• Assess policies, decision frameworks, and processes to optimize performance and balance risk vs. reward.
• Investigate fraud patterns, operational risks, and process inefficiencies, providing mitigation recommendations.
• Independently identify business questions, develop analytical approaches, and evaluate potential solutions using data.
• Convert complex analyses into clear business recommendations for senior leadership.
• Lead initiatives from analysis through implementation and monitoring.
• Collaborate with Risk, Operations, Product, Revenue, and other business functions.
• Measure impact of strategic changes and suggest refinements based on results.

Skills

Analytical thinking

Stakeholder influence

Business acumen

Hypothesis testing

Tools

SQL

Excel

Python

Job description

Senior Business Analyst - Risk Strategy & Analytics

• Base Salary: $100,000 - $117,500
• Annual Bonus: 10% target bonus
• Full-time permanent position
• 4 days/week onsite

We're partnering with a large organization seeking a Senior Business Analyst to join its analytics team. This role will initially focus on risk strategy, customer qualification decisioning, and fraud-related initiatives, with opportunities to expand into broader operational and revenue-focused projects over time.

The successful candidate will operate as an internal consultant, leveraging data to identify business opportunities, evaluate risk, develop recommendations, and influence strategic decisions. This position is best suited for someone who enjoys solving ambiguous business problems, forming hypotheses, and translating analytical findings into actionable outcomes.

This is not a data engineering or software development role. The emphasis is on business analytics, strategic thinking, quantitative problem-solving, and stakeholder influence.

Key Responsibilities

• Serve as a strategic analytics partner to business leaders and cross-functional stakeholders.
• Analyze risk, approval, and performance data to identify opportunities that improve business outcomes while managing exposure to loss.
• Assess existing policies, decision frameworks, and operational processes to optimize performance and balance risk versus reward.
• Investigate fraud patterns, operational risks, and process inefficiencies, providing recommendations for mitigation.
• Independently identify business questions, develop analytical approaches, and evaluate potential solutions using data.
• Convert complex analyses into clear business recommendations for senior leadership audiences.
• Lead initiatives from analysis through implementation and post-launch performance monitoring.
• Collaborate with teams across Risk, Operations, Product, Revenue, and other business functions.
• Measure the impact of strategic changes and recommend ongoing refinements based on results.

Required Qualifications

Experience

• 5+ years of experience in analytics, risk strategy, credit analysis, business strategy, or a related field.
• Experience supporting decision-making within a risk-focused or financial-services environment.
• Background in areas such as:
  • Consumer lending
  • Credit products
  • Auto finance
  • Mortgage lending
  • Collections and recoveries
  • Fraud analytics or fraud strategy
  • Consumer finance

Technical Skills

• Strong SQL skills with the ability to independently extract, manipulate, and analyze large datasets.
• Advanced Excel proficiency, including data modeling, pivots, lookups, and reporting.
• Working knowledge of Python for data analysis and statistical evaluation.
• Experience applying analytical techniques such as hypothesis testing, regression analysis, performance monitoring, and trend analysis.

Core Competencies

• Strong problem-solving skills within ambiguous or loosely defined business environments.
• Ability to develop business hypotheses, test assumptions, and formulate recommendations.
• Experience presenting findings and influencing senior stakeholders.
• Strong commercial acumen with the ability to connect analytics to business outcomes.
• Ability to manage initiatives from concept through execution and measurement.

Preferred Qualifications

• Experience in risk policy development, decision strategy, pricing analytics, or portfolio performance management.
• Consulting experience involving complex business problem-solving and executive recommendations.
• Exposure to fraud prevention, decisioning strategies, or operational risk management.
• Experience working in organizations known for strong analytical training and rotational development programs.