Senior Credit Risk Strategist - Remote

Community Choice Financial Family of Brands; United States; Remote; USD 110,000 - 180,000; Full time

Benefits offered by this job

Health insurance

401(k) match

Life insurance

Dental & Vision

Job summary

Katapult Group is seeking a Senior Credit Risk Analyst to join the Credit Risk Strategy team in a remote capacity. The role focuses on reviewing and optimizing underwriting criteria, offer structures, and line assignments to improve risk-adjusted performance and portfolio profitability.

You will analyze merchant and customer performance, monitor risk indicators, and collaborate with Operations, Finance, Sales and Product to translate insights into actionable recommendations for profitable growth

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, Data Analytics, or a related field.
• 5 to 8 years of relevant experience in credit risk, underwriting strategy, portfolio analytics, consumer finance, fintech, or related analytical functions.
• Strong understanding of consumer credit risk management, underwriting strategies, offer optimization, and portfolio performance monitoring.
• Experience analyzing large datasets and translating findings into actionable recommendations that balance growth, risk, and profitability objectives.
• Demonstrated experience evaluating approval criteria, line assignment strategies, promotional campaigns, or credit policy changes.

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, loss drivers, and emerging credit or fraud risks.
• Evaluate merchant-level performance, including approval rates, conversion rates, customer payment behavior, losses, and profitability trends.
• Develop data-based recommendations to enhance merchant outcomes while maintaining appropriate credit risk controls.
• Manage and refine line assignment strategies to ensure offers are appropriately aligned to customer risk, affordability, and profitability objectives.
• Review performance of pricing tests, and portfolio initiatives to assess effectiveness and recommend optimization opportunities.
• Identify upstream underwriting opportunities that can improve downstream collections performance, payment behavior, and recovery outcomes.
• Monitor credit performance indicators, including approval quality, early payment performance, fraud trends, charge-offs, and customer behavior patterns.
• Partner cross-functionally with Operations, Finance, Sales and Product teams to translate insights into action.
• Prepare clear reporting, analysis, and recommendations for business stakeholders, including executive-level summaries when needed.

Skills

Analytical thinking

Cross-functional collaboration

Communication with stakeholders

Ownership & prioritization

Experience interpreting credit risk

Data-driven decision making

Education

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

Tools

SQL

Excel

Python

BI tools

Job description

Katapult Group is seeking a Senior Credit Risk Analyst to join the Credit Risk Strategy team in a remote capacity. The role focuses on reviewing and optimizing underwriting criteria, offer structures, and line assignments to improve risk-adjusted performance and portfolio profitability.

You will analyze merchant and customer performance, monitor risk indicators, and collaborate with Operations, Finance, Sales and Product to translate insights into actionable recommendations for profitable growth