Senior Credit Risk Analyst

Vertage; United States; Remote; USD 90,000 - 130,000; Full time

Job summary

Vertage Inc. seeks a Senior Credit Risk Strategy Analyst to support and optimize an automated consumer lending portfolio focused on Home Improvement financing.

The role emphasizes developing underwriting strategies, credit policies, and automated decisioning frameworks for unsecured lending while leveraging data, analytics, and business insights to drive growth and manage risk. You will analyze portfolio performance, propose underwriting enhancements, and collaborate with cross‑functional teams

Qualifications

• Experience in unsecured consumer lending, preferably Home Improvement financing.
• Proven experience developing or optimizing credit strategy, policy, or automated underwriting rules.
• Strong understanding of credit risk management and portfolio analytics.
• Advanced SQL skills for data extraction, transformation, and analysis.
• Ability to translate data insights into actionable business recommendations.

Responsibilities

• Analyze credit portfolio performance and identify opportunities to improve underwriting outcomes.
• Develop and optimize automated credit decisioning strategies, including criteria and limits.
• Write and maintain complex SQL queries to extract and analyze large datasets.
• Perform data analysis using Excel and Python to evaluate customer behavior and portfolio trends.
• Monitor risk metrics such as approval rates, delinquencies, losses, and profitability.
• Conduct strategy testing and assess impact of policy changes on performance.
• Collaborate with cross‑functional teams to implement underwriting enhancements.
• Create reports, dashboards, and visualizations to communicate insights to leadership.
• Present analytical findings and strategic recommendations to stakeholders.

Skills

Unsecured lending

Credit strategy

Credit policy

Automated underwriting

Data analysis

Advanced SQL

Tools

SQL

Python

Job description

Interview Process: Virtual Interviews (Teams)

Type: Remote

About the Role

We are seeking a Senior Credit Risk Strategy Analyst to support and optimize an automated consumer lending portfolio focused on the Home Improvement industry. This role is ideal for a credit risk professional who has experience developing underwriting strategies, designing credit policies, and improving automated credit decisioning frameworks for unsecured consumer lending products.

The successful candidate will leverage data, analytics, and business insights to evaluate portfolio performance, recommend underwriting enhancements, and drive profitable growth while maintaining risk objectives.

Key Responsibilities

• Analyze credit portfolio performance and identify opportunities to improve underwriting outcomes.
• Develop and optimize automated credit decisioning strategies, including approval/decline criteria, risk score cutoffs, credit limits, and loan terms.
• Write and maintain complex SQL queries to extract, analyze, and interpret large datasets.
• Perform data analysis using Excel and Python to evaluate customer behavior, portfolio trends, and credit performance.
• Monitor key risk metrics, including approval rates, delinquency rates, losses, and portfolio profitability.
• Conduct strategy testing and evaluate the impact of policy changes on portfolio performance.
• Partner with cross-functional teams to implement underwriting enhancements and risk management initiatives.
• Create reports, dashboards, and visualizations to communicate insights and recommendations to leadership.
• Present analytical findings and strategic recommendations to stakeholders and senior leadership.

Required Qualifications

• Experience in unsecured consumer lending, preferably within the Home Improvement financing sector.
• Proven experience developing or optimizing credit strategy, credit policy, or automated underwriting decisioning rules.
• Strong understanding of credit risk management, portfolio analytics, and underwriting strategy.
• Advanced SQL skills, including data extraction, transformation, and analysis.
• Strong analytical and problem-solving abilities with experience working with large datasets.
• Experience evaluating approval strategies, risk segmentation, credit limits, and loan terms.
• Ability to translate data insights into actionable business recommendations.

Preferred Qualifications

• Experience with Python for data analysis and risk evaluation.
• Experience presenting analytical findings and strategic recommendations to senior leadership.
• Experience with strategy testing, performance monitoring, and credit policy optimization.

Desired Background

Candidates with experience in roles such as: