Senior Risk Analytics Manager (Credit Products)

B9; United States; Remote; USD 150,000 - 230,000; Full time

Benefits offered by this job

Highly competitive senior-level compensation

Medical, dental, and vision insurance

Flexible work setup

Competitive compensation

Job summary

A fast-growing U.S. fintech is seeking a Senior Risk Analytics Manager to enhance credit risk strategies in non-prime lending and subprime credit products. The role involves leading the credit risk strategy, working with underwriting and customer behavior analysis across the credit lifecycle. Candidates should have 7+ years in credit risk analytics with a solid background in non-prime products. The company offers competitive compensation, flexible work options, and the chance to influence credit strategies significantly.

Qualifications

• 7+ years of experience in U.S. credit risk analytics.
• Strong background in non-prime/subprime credit products.
• Deep understanding of credit limits, utilization, and customer behavior.
• Hands-on analytical skills (SQL required; Python/R a plus).
• Experience working with large datasets and production decision systems.

Responsibilities

• Lead credit risk strategy for non-prime loans and/or subprime credit cards.
• Analyze and optimize utilization, repayment behavior, delinquency, and losses.
• Build and refine risk models, scorecards, and decision logic.
• Monitor portfolio performance and customer cohorts across the lifecycle.
• Build and refine risk models, scorecards, and decision logic.
• Partner cross-functionally to launch and scale new credit features.
• Drive experiments and policy changes to improve risk-adjusted returns.
• Provide clear insights and recommendations to senior leadership.

Skills

Credit risk analytics

Non-prime/subprime credit products

Analytical skills (SQL)

Python/R knowledge

Non-prime credit

Data analysis

Portfolio risk

Tools

Production systems

Job description

About B9

B9 is a fast-growing U.S. fintech building modern banking and credit products for the non-prime consumer. Our platform combines fee-free banking, earned wage access, and credit products designed to help customers manage cash flow, build credit, and access liquidity responsibly.

We operate at scale, with real portfolios, real data, and real impact—and we’re now looking to strengthen our risk leadership as we expand our credit offerings.

Role Overview

We’re hiring a Senior Risk Analytics Manager to own and evolve credit risk strategy across non‑prime lending and subprime credit card products in the U.S. market. This is a senior, high‑impact role with ownership over underwriting, credit limits, utilization, and customer behavior across the full credit lifecycle.

You’ll work closely with Product, Engineering, and Leadership to balance growth, risk, and customer outcomes.

Key Responsibilities

• Lead credit risk strategy for non-prime loans and/or subprime credit cards
• Own underwriting, line assignment, and credit limit management
• Analyze and optimize utilization, repayment behavior, delinquency, and losses
• Monitor portfolio performance and customer cohorts across the lifecycle
• Build and refine risk models, scorecards, and decision logic
• Partner cross-functionally to launch and scale new credit features
• Drive experiments and policy changes to improve risk-adjusted returns
• Provide clear insights and recommendations to senior leadership

What We’re Looking For

• 7+ years of experience in U.S. credit risk analytics
• Strong background in non-prime / subprime credit products
• Deep understanding of credit limits, utilization, and customer behavior
• Hands‑on analytical skills (SQL required; Python/R a plus)
• Experience working with large datasets and production decision systems
• Ability to translate analytics into practical business decisions

What We Offer

• Highly competitive senior-level compensation
• Medical, dental, and vision insurance
• Opportunity to own and shape risk strategy at a scaled fintech
• Fast-moving, low-bureaucracy environment with real decision authority
• Remote-friendly culture and flexible work setup

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