Credit Risk Analyst

Back to jobs New Credit Risk Analyst Atlanta Apply Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7 million customers access over $40 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $6.3B. We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.  We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.   About the Role :  Upgrade is looking for a Credit Risk Analyst to join the team and support the analysis and improvement of Upgrade's credit and merchant underwriting practices. You will use data to develop and implement new strategies, policies, and models to manage loan performance and profitability. What You'll Do: Work closely with members of the Risk team, to review and enhance Upgrade's underwriting practice (strategy, credit policy, and model use) to achieve results within Upgrade's credit risk tolerance Develop data driven strategies to segment Upgrade’s merchant’s base and test strategies to improve profitability within those segments, working closely with Sales to implement Analyze and update merchant underwriting and merchant management policies, working with Operations to implement Upgrade's merchant base Monitor loan performance through hands-on analysis Develop periodic reporting templates and requirements Obtain subject matter expertise in internal and external data sources and ensure data integrity Document policy and procedural changes.  What We Look For: 0-1 years in consumer credit risk role at a financial institution (experience with embedded finance preferred) Bachelor's degree   Innately curious, constantly asking questions and seeking answers through data exploration Proven ability to solve white space problems Advanced knowledge of SQL, Python (nice to have), or R Detail oriented and strong analytic skill set  Good communicator with the ability to discuss / present complex issues in a simple manner Proactive, driven, and able to work in a fast-paced environment Team player  What We Offer You:  Competitive salary and stock option plan 100% paid coverage of medical, dental and vision insurance  Flexible PTO Competitive 401(k) and RRSP program Opportunities for professional growth and development  Paid parental leave Health & wellness initiatives #LI-Hybrid  For California residents:  Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement . English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide. Create a Job Alert Interested in building your career at Upgrade? Get future opportunities sent straight to your email. 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We believe that it’s crucial to Upgrade’s long-term success to create an environment where all employees feel like they belong and have an equal opportunity to succeed. For this reason, we are asking candidates to voluntarily self-identify through a few demographic questions. Our purpose in collecting this information is to help us assess our outreach efforts and diversity representation goals. Your responses will not be linked to your identity or your application, and neither recruiters nor hiring managers can see this information at an individual level. Your responses are stored in the aggregate and will not play any role in our hiring decision.  Your decision to participate or not participate in this survey will have no impact on your candidacy at Upgrade. How you do you identify? (Gender identity) Select... Do you identify as LGBTQ+? Select... How do you identify? (Ethnicity) Select... What is your veteran status? Select... What is your disability status? Select... 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