Director, Credit Risk Analytics

How you’ll make an impact

• Develop credit strategies to improve the credit performance by using data, ML/AI models and advanced analytics tools.
• Turn findings/gaps into strategy enhancement to present recommendations to the Risk Management and broader Prosper community with the considerations of business impact and cost needed.
• Ensure credit losses remain within the company’s defined risk appetite.
• Bring innovative/out of the box thinking to make recommendations and approaching/solving problems.
• Design and evaluate A/B tests, with a strong understanding of risk–return trade-offs.
• Identify and evaluate new vendors / data sources and create business cases.
• Partner with Product, Marketing and Engineering teams to implement strategies and monitor the strategy performance.
• Conduct ad-hoc analysis related to risk management, investor services, product, and operations.
• Analyze portfolio performance at a granular segment level on an ongoing basis, identify key performance drivers and emerging trends.
• Work with legal and compliance team to ensure strategies and policies comply with all the regulatory requirements.
• Have experience with credit loss forecast and stress testing exercise.

Skills that will help you thrive

• Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related field.
• 10+ years of experience managing acquisition credit risk within Credit Card or Personal Loan businesses, with strong business acumen and deep knowledge of credit management. Experience in loss forecasting is a strong plus.
• 5+ years of people leadership experience, with a proven ability to develop and mentor high-performing teams.
• Demonstrated ability to thrive in a fast-paced environment and meet deadlines without compromising quality.
• Outstanding thought leadership, with the capability to build, refine, and elevate credit strategy frameworks through innovative and structured approaches.
• Exceptional communication skills, both written and verbal, with the ability to articulate complex analyses and technical subject matter clearly and succinctly to internal stakeholders, external partners, and Senior Management.
• A quick thinker who can confidently address questions on unfamiliar topics with clarity and conviction.
• A strong team player with a collaborative mindset and a business-owner mentality, able to partner effectively across functions.
• Ability to work productively in a hybrid work environment, balancing remote and in-person collaboration effectively.

What we offer

• The opportunity to collaborate with a team of creative, fun, and driven colleagues on products that have an immediate and significant impact on people's lives.
• The opportunity to work in a fast-paced environment with experienced industry leaders.
• Flexible time off, comprehensive health coverage, competitive salary, paid parental leave, and other wellness benefits.
• A bevy of other perks including Udemy access, childcare assistance, pet insurance discounts, legal assistance, and additional discounts through Perkspot.
• The ability to work remotely in the United States.

Interview process

• Recruiter Call: A brief screening to discuss your experience and initial questions.
• Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member.
• Team/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercises.
• Final Round: Discussion with a department head/executive.