Senior Credit Risk Analyst

Harnham; Miami (FL); On-site; USD 120,000 - 180,000; Full time

Job summary

Harnham is partnering with a fast-growing fintech lender to fill a senior analytics seat shaping pricing, credit, and portfolio strategy. You will influence commercial decisions across origination, underwriting, offers, and portfolio performance.

You'll work with Credit, Pricing, Data Science, Engineering, and executive stakeholders to quantify the true impact of pricing changes, target segments, and monitor cohort performance with modern AI tooling.

Qualifications

• 5–8 years of experience in credit analytics, risk strategy, pricing analytics, or portfolio strategy.
• Experience in lending, fintech, or consumer/commercial credit.
• Strong SQL and Python (pandas).
• Experience with vintages, cohorts, roll rates, losses, forecasting, and portfolio performance.

Responsibilities

• Determine how pricing and credit decisions are made and measure outcomes.
• Answer questions on pricing, portfolio performance, and growth opportunities.
• Collaborate with Credit, Pricing, Data Science, Engineering, and executives to drive decisions.
• Present insights to senior leadership to influence strategy.

Skills

SQL

Python (pandas)

Portfolio performance analysis

Stakeholder influence

Credit analytics

Tools

AWS

DBT

Job description

We're supporting a fast-growing fintech lender that sits at the intersection of pricing, credit, analytics, and portfolio strategy.

This is one of the highest-impact analytical seats in the business. You'll help determine how credit and pricing decisions are made, measure their commercial outcomes, and influence senior leadership on strategy across origination, underwriting, offers, and portfolio performance.

You'll work closely with Credit, Pricing, Data Science, Engineering, and executive stakeholders to answer questions such as:

• What is the true economic impact of a pricing change?
• Which customer segments should receive different offers?
• How is portfolio risk evolving across vintages and cohorts?
• Where are the highest-value growth and automation opportunities?

You'll likely have:

• 5-8 years' experience within credit analytics, risk strategy, pricing analytics, or portfolio strategy
• Lending, fintech, specialty finance, banking, or consumer/commercial credit experience
• Strong SQL and Python (pandas)
• Experience with vintages, cohorts, roll rates, losses, forecasting, and portfolio performance analysis
• Ability to influence commercial decisions and present to senior stakeholders
• Small business lending, MCA, revenue-based finance, unsecured lending
• AWS, dbt or modern AI tooling

This is a strong opportunity for someone who wants to move beyond reporting and become a genuine commercial decision-maker within a highly analytical, AI-forward business.