Consumer Credit Analyst Lead

Summary

Join Pathward, a hybrid, remote-office financial empowerment company, as a Credit Strategy Lead. You will lead the development and execution of data-driven credit strategies within the consumer lending portfolio. This role requires a deep understanding of credit risk, data analytics, and regulatory policy. You will design, implement, and refine underwriting strategies, monitor loan performance, and ensure alignment with regulatory standards. The position involves collaboration with various teams and stakeholders, translating data insights into actionable recommendations. You will also evaluate new lending opportunities and champion innovation within the company.

Requirements

• Bachelor’s degree in Finance, Economics, Statistics, Business, or a related field; Master’s degree preferred
• Typically requires a minimum of 8 years of related experience with a bachelor’s or equivalent
• Advanced proficiency with SAS, SQL, Python, or R for data analysis and modeling
• Demonstrated expertise in credit risk, portfolio analytics, and scorecard development
• Strong familiarity with consumer credit regulations and their application in scalable underwriting frameworks
• Familiarity with key regulatory frameworks (e.g., Dodd-Frank, Basel III, FCRA) affecting consumer lending
• Strong data analytics and partner management capabilities with the ability to guide data-informed credit decisions and cross-functional collaborations
• Familiarity with pool risk analytics and scenario-based modeling to support agile product strategy and future-state readiness
• Strategic and critical thinker with a balance of possibility-driven innovation and grounded risk management
• Excellent verbal and written communication skills; able to convey technical concepts and business implications to diverse audiences
• Proactive, emotionally intelligent, and passionate about continuous learning and adoption of new frameworks

Responsibilities

• Designs, implements, and refines dynamic underwriting strategies that are adaptable to changing risk patterns and business goals
• Uses portfolio and pool risk analytics to continuously monitor and optimize loan performance
• Aligns credit strategies with evolving regulatory standards and partner requirements, enabling responsible scaling and third-party collaboration
• Interprets and applies key regulatory frameworks (e.g., Dodd-Frank, FCRA, OCC guidance), embedding them into compliant, adaptable credit strategies
• Proactively responds to changes in the risk landscape with an experimentation mindset and a commitment to risk transparency
• Partners with Legal, Compliance, and Risk Governance to align policies with internal controls and external obligations
• Leads analytics supporting product innovation, partner development, and ecosystem integration
• Translates data insights into actionable recommendations for credit strategy and operational improvements
• Evaluates new lending opportunities and partner channels through a systems-thinking lens to enhance scalability and customer experience
• Serves as a bridge between analytics, strategy, and execution by clearly communicating insights, strategies, and risks to leadership and stakeholders
• Applies systems thinking to understand interdependencies across credit, product, legal, and technology functions
• Champions experimentation and adoption, driving a culture of learning and innovation through collaborative ideation, piloting, and iteration
• Other duties as assigned

Benefits

• Health insurance
• 401(k) retirement benefits
• Life insurance
• Disability benefits
• Paid time off