Responsibilities

• Lead credit assessments and underwriting decisions on new customers and portfolio risk, translating financial analysis and market signals into clear acquisition recommendations
• Build and maintain monitoring models and dashboards that surface portfolio trends, detect early warnings, and inform proactive risk management across customer segments
• Partner with Sales, Customer Success, and Finance to balance sustainable growth with prudent risk management, providing clear rationale for approval, exceptions, and escalations
• Develop automation and tooling—including data pipelines, scoring models, and AI-powered workflows—that make the team's work faster and smarter
• Analyze large datasets to identify patterns, risks, and opportunities; communicate findings clearly to cross-functional stakeholders and senior leadership

Qualifications

• 2-3 years in credit risk, credit underwriting, credit analytics, or similar roles at a financial services, fintech, or lending organization
• Proficiency with data analysis tools (SQL, Python, Excel, Tableau, or similar); ability to manipulate large datasets and build working models
• Analytical mindset with the ability to move quickly between strategic thinking and tactical execution
• Proactive self-starter who thrives in ambiguity and takes ownership without needing direction
• Excellent written and verbal communication skills; ability to explain complex financial concepts clearly to non-financial audiences
• Exceptional organizational skills and attention to detail in a fast-moving environment
• Hands-on experience building with AI tools or implementing AI workflows; curiosity about how to apply AI to credit and risk problems
• Track record of building or automating processes that scaled with the business
• Experience working in or supporting a startup or high-growth environment is a plus