Senior Credit Risk Strategist – Remote

Ccffamilyofbrands; United States; Remote; USD 120,000 - 180,000; Full time

Benefits offered by this job

Career advancement

Medical insurance options

401(k) with company match

Life and AD&D insurance

Voluntary benefits package

Employee assistance program

Job summary

Katapult Group is seeking a Senior Credit Risk Analyst to join the Credit Risk Strategy team. This role focuses on reviewing and optimizing underwriting criteria, offers, and line assignments to improve risk-adjusted performance, reduce losses, and drive portfolio profitability in a fast-paced environment.

You will analyze merchant and customer performance, test pricing, and develop data-driven recommendations, collaborating across Operations, Finance, Sales and Product.

Qualifications

• Bachelor's degree or higher in Finance, Economics, Statistics, Mathematics, Business, Data Analytics, or a related field.
• 5–8 years of experience in credit risk, underwriting strategy, portfolio analytics, or fintech.
• Strong understanding of consumer credit risk management and portfolio performance monitoring.
• Experience analyzing large datasets and translating findings into actionable recommendations.
• Experience evaluating approval criteria, line assignment strategies, or credit policy changes.
• Proficiency in SQL and Excel; Python/BI tools a plus.
• Strong cross-functional communication with technical and non-technical stakeholders.
• Ownership mindset with ability to manage multiple priorities in a fast-paced environment.

Responsibilities

• Review and optimize underwriting decision criteria, approval strategies, and offer structures to improve risk-adjusted performance and profitability.
• Analyze customer, merchant, and portfolio performance to identify growth opportunities and risk drivers.
• Evaluate merchant performance, including approval rates, conversions, losses, and profitability trends.
• Develop data-based recommendations to enhance merchant outcomes while maintaining risk controls.
• Manage and refine line assignment strategies to align offers with customer risk and profitability.
• Review pricing tests and portfolio initiatives to assess effectiveness and optimization opportunities.
• Identify upstream underwriting opportunities to improve downstream collections and recovery outcomes.
• Monitor credit performance indicators such as approval quality, fraud trends, and charge-offs.
• Partner cross-functionally with Operations, Finance, Sales and Product to translate insights into action.
• Prepare clear reporting and recommendations for business stakeholders, including executive summaries.

Skills

Credit risk management

SQL

Data analysis

Cross-functional collaboration

Excel

Analytical thinking

Education

Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, Data Analytics, or related field

Tools

Python

BI tools

Job description

Katapult Group is seeking a Senior Credit Risk Analyst to join the Credit Risk Strategy team. This role focuses on reviewing and optimizing underwriting criteria, offers, and line assignments to improve risk-adjusted performance, reduce losses, and drive portfolio profitability in a fast-paced environment.

You will analyze merchant and customer performance, test pricing, and develop data-driven recommendations, collaborating across Operations, Finance, Sales and Product.