Senior Analyst of Pricing and Risk Analytics

Summary

Join Oportun as a Sr. Analyst of Risk Management and pioneer innovative risk management strategies for personal loan products. You will design strategies considering factors beyond traditional credit scores, gaining exposure to pricing, marketing, and underwriting. This role involves developing pricing strategies, valuation frameworks, and dynamic risk assessment models using alternative data. You will collaborate with various teams to implement tests, analyze results, and influence decision-making. The position also includes monitoring portfolio performance and refining strategies to minimize defaults while maximizing credit access for underserved communities. This is a fast-paced opportunity to make a meaningful impact.

Requirements

• Gain exposure to key areas such as pricing, risk underwriting, and direct mail marketing with the opportunity to specialize and focus on a specific area based on interest and business needs
• Support the development of pricing strategies and practices, balancing revenue optimization with enterprise objectives and customer experience
• Develop and maintain valuation frameworks to determine profitability at the margin; recommend changes to fee and risk strategies to maximize profitability and ensure required return on capital for all risk segments
• Partner with product, data science and engineering to design and implement tests; turn learnings into actionable strategies, presenting findings to stake holders to influence decision making
• Develop dynamic risk assessment frameworks using alternative data to evaluate creditworthiness and optimize direct mail marketing/targeting
• Design strategy ramp-up to support the expansion in new channels, new geographic regions and/or new partner sources while ensuring portfolio resilience
• Monitor portfolio performance, refining strategies to minimize defaults while maximizing credit access for the underserved

Responsibilities

• Gain exposure to key areas such as pricing, risk underwriting, and direct mail marketing with the opportunity to specialize and focus on a specific area based on interest and business needs
• Support the development of pricing strategies and practices, balancing revenue optimization with enterprise objectives and customer experience
• Develop and maintain valuation frameworks to determine profitability at the margin; recommend changes to fee and risk strategies to maximize profitability and ensure required return on capital for all risk segments
• Partner with product, data science and engineering to design and implement tests; turn learnings into actionable strategies, presenting findings to stake holders to influence decision making
• Develop dynamic risk assessment frameworks using alternative data to evaluate creditworthiness and optimize direct mail marketing/targeting
• Design strategy ramp-up to support the expansion in new channels, new geographic regions and/or new partner sources while ensuring portfolio resilience
• Monitor portfolio performance, refining strategies to minimize defaults while maximizing credit access for the underserved

Preferred Qualifications

• Bachelor’s Degree in Engineering, Mathematics, Economics, Finance, or other analytical discipline (advanced degree in a quantitative discipline is a plus)
• 3+ years of experience in an analytic role, preferably in risk management of the financial services industry
• Very strong attention to detail, experience developing processes to implement strategy
• A self-starter - you naturally take ownership, look for opportunities, and drive recommendations through execution
• Adaptive to a fast-changing environment and have the drive to get things done
• Flexible in prioritizing work, managing multiple tasks and meeting deadlines
• Excellent SQL (or similar language) programming skills; proficiency in Python is a plus
• Advanced Microsoft Excel and PowerPoint skills
• Strong written and verbal communication skills