We’re looking for a motivated and analytically minded Credit Risk Analyst to join our team supporting credit decisioning, pricing strategy, and portfolio performance for our rapidly growing auto-finance business. In this role, you’ll work with credit data, performance trends, and pricing models to help shape decisions that balance growth, risk, and profitability. This is a hands-on role with strong visibility across underwriting, tech, finance, and analytics teams, perfect for someone eager to deepen their expertise in credit risk, consumer lending, and risk-based pricing. Success in this role requires a team-oriented, “how can I help” mindset, flexibility during high-demand periods, and a willingness to dive into both recurring responsibilities and creative problem-solving as needs evolve in our fast-paced, collaborative environment.
What You’ll Do
- Analyze credit application data, bureau attributes, and internal performance metrics to identify risk patterns and recommend credit policy adjustments.
- Support the development, calibration, and monitoring of pricing models that optimize originations volume, expected losses, and yield.
- Evaluate risk-adjusted profitability across segments, channels, dealers, and credit tiers
- Conduct competitive pricing analysis and monitor market trends in subprime auto lending
- Partner with underwriting, finance, technology, and data science teams to refine credit scorecards, decision rules, and pricing strategies.
- Monitor early-stage delinquency, loss trends, and vintage performance to identify emerging risks
- Prepare clear, data-driven presentations for senior leadership on credit performance, pricing impacts, and strategic recommendations.
- Assist in stress testing, scenario modeling, and forecasting for credit and pricing initiatives.