Senior Credit Risk Analyst

Harnham; Salt Lake City (UT); On-site; USD 120,000 - 170,000; Full time

Job summary

Harnham, a fast-growing fintech lender, seeks a senior credit analytics professional to influence pricing, credit, and portfolio strategy across origination, underwriting, offers, and performance.

You will partner with Credit, Pricing, Data Science, Engineering, and executives to quantify pricing impact, segment offers, forecast risk, and drive value through AI-enabled analytics in a commercial setting. This is a high-impact role with strategic influence.

Qualifications

• 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.
• Experience in small business lending, MCA, revenue-based finance, or unsecured lending.
• AWS, dbt or modern AI tooling.

Responsibilities

• Determine the true economic impact of pricing changes.
• Measure commercial outcomes and influence senior leadership on strategy.
• Answer questions across origination, underwriting, offers, and portfolio performance.
• Collaborate with Credit, Pricing, Data Science, Engineering, and executives.

Skills

Credit analytics

Risk strategy

Pricing analytics

Portfolio strategy

SQL

Python (pandas)

AWS

dbt

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.