Senior Credit Risk & Pricing Strategist

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

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.