Step is hiring a
Senior Credit Analyst

Summary

Join a fast-growing company with a strong mission and vision that puts people first, as we seek an experienced Senior Credit Analyst to enable and accelerate Step’s Lending projects.

Requirements

• 8+ years experience in analytics
• Previous experience with creating and modeling pricing structures and credit policies
• Strong understanding of lending and experience in financial analysis
• Experience performing credit risk analysis and customer risk segmentation
• Strong command of SQL and one or more modern programming languages
• Experience with data visualization tools like Looker, Mixpanel, Tableau, etc
• Ability to communicate clearly with both technical and non-technical audiences
• Bias towards simple solutions that work
• Self-starter and able to work autonomously

Responsibilities

• Build pricing models that drive sustainable growth and profitability of the lending program
• Ideate new pricing structures, underwriting iterations and product differentiators with a cross-functional team of Product, Legal, Compliance, Data and Engineering
• Implement detailed data tracking of key KPI's that make the health of the lending program accessible and easy to explain for stakeholders
• Model product performance over time and use those insights to support on creating strategy proposals to drive the lending business forward
• Work closely with Data Science to optimize profitability by assisting with model development and credit policy creation
• Create customer risk profiles that can be used as a point of reference for the lending program
• Perform ad-hoc analysis to understand business and customer trends

Benefits

• Competitive salary based on experience, with full medical and dental benefits
• High potential for growth
• Stock in an early-stage startup
• Flexible WFH and vacation policy
• Paid parental Leave
• Employee referral program
• 401K plan