Senior Credit Risk & Fraud Strategy Analyst (Remote)

prosper.com; United States; On-site; USD 129,000 - 140,000; Full time

Benefits offered by this job

Udemy access

Childcare assistance

Pet insurance

Wellness allowance

Job summary

Prosper is seeking a Senior Credit Risk Analyst to join the Credit Risk team. You will develop credit and fraud strategies using data, machine learning models, and analytics tools to optimize risk decisions in our consumer lending marketplace.

Collaborate with Data Science, Product, and Engineering, design A/B tests, conduct ad-hoc analyses, and communicate findings to leadership. The role offers remote work with flexibility and a competitive salary plus benefits.

Qualifications

• Bachelor's or Master's degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics.
• 3+ years of experience (Masters) or 5+ years (Bachelor) managing credit risk and/or fraud and/or data science in consumer lending.
• Strong analytical and problem-solving skills.
• Must have strong proficiency in SQL and Python; experience with DBT and Looker is a plus.
• Strong communication skills—able to explain technical topics clearly to team and senior management.
• Knowledge and experience of segmentation, statistical procedures, and financial analytics tools.
• Curious to ask questions, probe reasons, and challenge the status quo.
• Strong ownership and motivation to drive business results.
• Ability to work in a fast-paced environment and meet deadlines without sacrificing quality.
• We will also consider candidates without financial services experience but with strong tech and analytical skills.
• Self-starter; comfortable with ambiguity.

Responsibilities

• Develop credit and fraud strategies using data, ML models, and advanced analytics to optimize risk decisions.
• Provide innovative thinking to approach and solve problems.
• Design A/B tests and understand trade-offs between risk and customer experience.
• Innovate by testing new data sources and analytical approaches.
• Partner with Data Science, Product, and Engineering to implement credit and fraud prevention strategies and validate performance.
• Conduct ad-hoc analyses related to risk management, product, and operations.
• Analyze portfolio performance at granular segment level.
• Identify trends and perform root-cause analysis to isolate key drivers.
• Communicate findings and recommendations to Risk Management and Prosper groups.

Skills

SQL

Python

Analytical skills

Communication

Problem-solving

Data analysis

Education

Bachelor's or Master's degree in Business, Statistics, Mathematics, CS, Engineering or Economics

Tools

DBT

Looker

Job description

Prosper is seeking a Senior Credit Risk Analyst to join the Credit Risk team. You will develop credit and fraud strategies using data, machine learning models, and analytics tools to optimize risk decisions in our consumer lending marketplace.

Collaborate with Data Science, Product, and Engineering, design A/B tests, conduct ad-hoc analyses, and communicate findings to leadership. The role offers remote work with flexibility and a competitive salary plus benefits.