Credit Analytics Manager

EMPOWER OVERVIEW
Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we're helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed.
This year, Empower ranked #65 on Inc. 5000's Fastest-Growing Private Companies list - our third year in a row cracking the top 100 - and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America's Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022's Next Big Things in Tech.
Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles - we can't wait to meet you.
THE EMPOWER WAY
Great Expectations: We come up with bold, audacious goals for ourselves and go all out for impact
Owner Mindset: We give every employee latitude to act independently, make smart choices, and move the business forward
Spirited Debate: We love skeptics and seek counter opinions to challenge our personal assumptions and expand our view
Customer Obsession: We listen to understand, empathize, and create a memorable, rewarding experience for our community
Inclusive Collaboration: We believe diverse teams make the best decisions, and we strive to give diverse voices a seat at the table
No Jerks Allowed: We value our relationships and take the time to build trust and connection and communicate respectfully
WHAT EMPOWER OFFERS
Competitive salary
Generous equity package
Full healthcare benefits
Technology expense reimbursement
Work from anywhere
JOB DESCRIPTION
Empower is looking for a talented analyst to join our high growth fintech startup and help develop and optimize our flagship cash advance product. This role presents an exciting opportunity to make a significant impact on our largest product line while working closely with cross-functional teams. As part of the Credit and Data Science team, you will focus on implementing and monitoring new risk models, collaborating with finance to assess and execute credit policies, and working with product teams to ideate and launch new features and improvements.
The ideal candidate is driven by a passion for leveraging data and analytics to fuel business growth and improve customer financial well-being. This individual will lead workstreams encompassing credit policy, product testing, and valuations, taking ownership from concept through to execution. They will work closely with cross-functional teams in product, technology, and finance to deliver innovative solutions that set Empower apart. The right candidate thrives on tackling complex challenges and is proficient in utilizing a wide range of technical tools to achieve impactful outcomes.
Empower is a remote-first company. We drive connectivity through regular company offsites. Travel for company offsites is expected at a minimum 2 times a year.
RESPONSIBILITIES

• Optimize Empower's cash advance product by refining credit policies and valuations frameworks.
• Design and conduct broad tests to improve future business outcomes.
• Collaborate with cross-functional teams including:
  
  • Finance: to align work with the broader company strategy.
  • Product and Marketing: to enhance customer engagement with our product.
  • Operations and External Vendors: to ensure seamless execution of loss mitigation strategies.
  • Data Infrastructure: to maintain data quality for accurate analytics and reporting.
• Drive the development of new product features and enhancements.
• Develop automated systems to monitor and report on business performance.

QUALIFICATIONS

• Bachelor's degree in Engineering, Business, Finance, Computer Science, or Mathematics.
• 3+ years of industry experience in data analytics and credit risk management.
• Strong proficiency in SQL and Python.
• Proven ability to design tests and build credit policies.
• Adaptable and eager to learn new tools and analytical methods.
• Experience working with cross-functional teams, including tech, product, credit, and business.
• A structured approach to problem-solving, with the ability to communicate complex topics effectively using frameworks.
• (Preferred) Experience in credit analytics at a bank or fintech company.

At Empower, we hire for people that push themselves to understand others and seek out ways to challenge their personal assumptions. Our hope is that by fostering such an environment, we strengthen our business and relationships by putting people first. We are committed to building a diverse, inclusive, and equitable workspace where everyone (regardless of age, education, ethnicity, gender, sexual orientation, or any personal characteristics) feels like they belong. Even if your experience doesn't exactly match up to our job description, you should feel empowered to apply regardless!