Consumer Credit Analyst Lead

About the Role:

This role leads the development and execution of data-driven, market-responsive credit strategies within our consumer lending portfolio. This forward-looking role not only focuses on current underwriting and risk analytics excellence but also builds the foundation for partner ecosystem growth, and innovation-driven strategy.

The ideal candidate combines a deep understanding of credit risk, data analytics, and regulatory policy with the ability to think in systems, model future scenarios, and experiment with new frameworks. You’ll be instrumental in shaping lending products such as personal loans, lines of credit, and future offerings—balancing growth, risk, compliance, and evolving market dynamics.

What You Will Do:

• 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.

What You Will Need:

• 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.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $86,259.86 – $159,308.33

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

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