Senior Staff Credit Risk Analyst - Fintech

Intuit; Mountain View (CA); On-site; USD 180,000 - 240,000; Full time

Job summary

Intuit is expanding its Consumer Lending focus and seeks a Senior Credit Risk Analyst to lead data-driven risk strategies across the consumer banking portfolio. You will partner with product, data science, compliance, and risk teams to build scalable risk solutions, improve policies, and drive responsible lending growth.

We value experience in fintech risk, strong communication skills, and the ability to mentor junior analysts while navigating complex regulatory requirements.

Qualifications

• Proven leadership and cross-functional collaboration in data/risk roles.
• Experience applying risk analytics to consumer lending or fintech contexts.
• Strong communication of complex data insights to both technical and non-technical audiences.

Responsibilities

• Develop and implement credit risk strategies and policies to drive consumer lending growth.
• Enhance credit policy and program framework ensuring compliance with internal policies and regulatory requirements.
• Collaborate with product, data engineering, compliance, and risk teams to enable decision support and insights.
• Scale analytical risk solutions to meet stakeholders' expectations in consumer lending.
• Mine large transactional datasets to improve risk-adjusted policy proposals.
• Mentor Risk Analysts to elevate analytical methods and outcomes.

Skills

Leadership

Communication

Cross-functional collaboration

Strategic thinking

Mentoring

Education

Bachelor's degree in Economics/Statistics/Engineering

Tools

Python

R

SAS

SQL

Tableau

QuickSight

Databricks

Job description

Overview

Intuit’s Consumer Group, including TurboTax, empowers millions of individuals to take control of their finances. TurboTax simplifies tax preparation and enables our customers to file with confidence. We leverage data and insights to innovate and enhance our consumer offerings. Now, we are expanding our focus to Consumer Lending within the Consumer Group, including TurboTax, and require a strong performer to join our Credit Risk Analysts. This role will be crucial in supporting our consumer lending initiatives, while navigating the complexities of Fintech Risk, alongside our core tax preparation business. If you are passionate about building that drives results through data-driven insights in consumer lending spaces, and understands the unique risks within Fintech, this role is for you.

Responsibilities

• Develop and implement credit risk strategies and policies and drive business growth by supporting and scaling strategies for consumer lending and banking portfolio


• Develop & Enhance the credit Policy and program and establish a framework to ensure lending activities are in compliance with internal policies and regulatory requirements


• Partner with teams across Intuit (including product development, marketing, data engineering, compliance, risk , data scientists etc.) to enable decision support and key customer insights in the consumer banking risk and analytics spaces.


• Collaborate with stakeholders and analysts to ensure analytical & risk solutions are scalable, repeatable, effective, and meet expectations of various stakeholders in the consumer lending area.


• Use big data technology to mine massive scale transactional data to improve credit risk strategies for consumer lending and banking and design new risk-adjusted policy proposals.


• Improve the current customer experience in consumer banking by deploying risk mitigations enabling product feature expansion to industry standard.


• Provide recommendations utilizing multiple types of data, business knowledge, and strategic assumptions when data doesn’t exist, specifically in the consumer lending context.


• Analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers


• Ensure data collection and data processing is optimized to provide crystal-clear visibility into the impact and value of new consumer lending initiatives and product releases.


• Mentor, coach, and develop Risk Analysts to drive creative ideas, use of the latest data techniques, and elevate outcomes within consumer lending.


• Identify and evaluate new vendors / data sources and create business cases to enhance risk policies

Qualifications

Experience & Leadership

• Proven leader in the data and risk space with 10+ years of experience driving cross-team collaboration and business requirement clarity, particularly in consumer lending.


• Domain expertise in FinTech, Risk, and Financial services, with a specific focus on Consumer Lending.


• Demonstrated history of highly effective cross-functional leadership in large matrixed organizations, aligning stakeholders and launching product features in fast-paced environments.


• Outstanding communication skills, with the ability to tell compelling stories with data to both technical and non-technical audiences.


• Strong strategic mindset combined with a willing \"roll up your sleeves\" attitude and a commitment to coaching team members.


• Proactive self-starter with excellent problem-solving skills and end-to-end quantitative thinking.


• Strong organization and task prioritization skills, with the ability to manage multiple projects to meet key objectives.

Technical Expertise

• Expertise in analytics tools such as Python, R, SAS, and SQL environments.


• Experience working with BI tools including Tableau, QuickSight, and Databricks.


• Analytically minded with experience managing large-scale data projects; product management experience is a significant plus.


• Undergraduate degree in Economics, Statistics, Engineering, or a related field required; an advanced degree is preferred.

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is: