Senior Credit Risk and Policy Analyst

Summary

Join Happy Money's Risk & Analytics team as a Senior Credit Risk and Policy Analyst! Partner with Data Science to optimize lending practices and policies. Utilize credit bureau data and business analytics to inform strategic decisions and support company goals. Own credit policies throughout the lending process, manage portfolio health, and uncover opportunities for sustainable business growth. This role requires 2-4 years of experience in consumer lending, strong analytical skills, and proficiency in SQL, Tableau, and R/Python. Happy Money offers a competitive salary, excellent benefits, and a fully distributed work environment.

Requirements

• 2-4 years of related experience
• Business acumen and work experience in the Consumer Lending Business
• High-caliber critical thinking and problem solving skills for all kinds of business problems
• Consistently demonstrates high levels of domain expertise such as underwriting of unsecured consumer loans
• Drives solutions through defining requirements all the way to implementation with minimal guidance
• Technical: High level of experience with SQL, Tableau, and R/Python
• Provides subject matter expertise insights and guidance to team members
• Experience presenting to Executive and Senior Leadership

Responsibilities

• Identify and define key business metrics (i.e. eligible demand, conversion rates, loss actuals v. forecasts) that keep the company moving forward with confidence
• Own credit policies throughout the lending process including frontline decisioning, pricing, fraud, verifications, and servicing
• Manage portfolio health and loan performance and working cross-functionally with teams such as Product, Operations and Financial Partner teams
• Understand credit risk, monitor performance of strategies and portfolio while documenting and communicating results, escalating issues as they arise
• Uncover opportunities to grow the business in a sustainable and responsible manner by mitigating risk, protecting partner returns, and putting members in the best position to succeed financially

Preferred Qualifications

• Advanced degree in a quantitative field, such as math, economics, CS, engineering, physics, etc
• Prior experience in fintech, big tech (financial product role) or financial services

Benefits

• Generous medical, dental, and vision insurance options
• 401k Plan with a matching contribution
• Flexible PTO
• Monthly Health and Wellness Days
• 12 Weeks Paid Parental Leave
• Company-paid short & long term disability and life insurance
• Happy Home Allowance to contribute to your home office workspace
• Monthly tech stipend to help cover expenses for remote work
• Happy Money is a 100% fully distributed workforce