Risk Analyst

Accountabilities: Analyze applicant information to support automated and manual credit underwriting decisions, using business financial statements, tax documents, banking data, and adjacent product activity. Evaluate financial and behavioral data from sources such as accounting platforms, banking integrations, and internal product systems to identify relevant risk indicators. Develop dashboards, analytical tools, and monitoring frameworks that surface real-time signals for underwriting and fraud detection. Monitor existing customer accounts after origination, analyzing spending, payment behavior, credit utilization, engagement, and other indicators of changing creditworthiness. Use internal data and third-party credit reports to identify emerging risks and assess trends in delinquency and payment performance. Develop behavioral segments, performance cohorts, and portfolio analyses to support proactive account management and risk strategy. Analyze the financial performance of an unsecured credit product, including interchange revenue, interest income, rewards costs, charge-offs, and other key P&L drivers. Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns. Investigate drivers of credit losses and identify opportunities to improve portfolio margins and overall product economics. Communicate analytical findings and recommendations clearly to cross-functional stakeholders and contribute to risk management and product strategy. Requirements 5+ years of experience in data analytics, credit analytics, or a closely related analytical role, preferably within fintech, credit cards, SMB lending, or financial services. Strong proficiency in SQL and/or SAS, with practical experience using Python or R for exploratory analysis, modeling, or automation. Solid understanding of credit underwriting principles, risk analysis, and small-business financial analysis. Experience interpreting business financial statements, including P&L statements, balance sheets, tax returns, and cash-flow information from banking sources. Familiarity with credit bureau information and commercial credit reports. Ability to work effectively with varied and complex datasets and translate quantitative findings into actionable business insights. Strong analytical and problem-solving skills, with attention to detail and the ability to investigate drivers behind portfolio and credit performance. Clear written and verbal communication skills, with the ability to explain technical findings and influence cross-functional stakeholders. Intellectual curiosity, ownership, and comfort operating in a fast-paced environment where priorities and analytical questions can evolve quickly. Benefits Salary: $120,000–$145,000 per year, with final compensation based on experience, work location, and interview performance. Full-time employment with benefits. Fully remote work option, with roles also available in San Francisco, Miami, and New York. Opportunity to work on credit, payments, banking, underwriting, and financial technology products operating at significant scale. Meaningful equity opportunity. High ownership and autonomy within small, collaborative teams. Direct exposure to leadership, customers, and investors. Opportunity to solve complex problems across AI, underwriting, compliance, risk, and financial operations.