The Role
As a Credit Risk Analyst, you'll analyze credit policies and performance, monitor decisioning rules, evaluate pricing strategies, and collaborate with various teams to enhance credit strategy and risk management.
Summary Generated by Built In
About the Role
Ready to shape how we take smart risk while expanding access to credit?
As a Credit Risk Analyst, you’ll help design and refine the credit strategies that sit at the heart of our business. You’ll dig into approval rates, loss outcomes, and portfolio trends across segments and vintages, then turn those insights into recommendations on credit policy, decisioning rules, pricing, and terms that balance growth with disciplined risk management.
Working in a modern fintech environment, you’ll monitor model and scorecard performance, support scenario and tradeoff analysis, and deliver insights that inform credit strategy. This role offers the chance to build deep expertise in consumer lending risk while helping more customers access responsible, transparent financing for the auto repairs and essentials they depend on.
What You Will Do:
Credit Policy & Decisioning Analytics
Who You Are:
Why You’ll Love Working at DigniFi:
What’s In It for You:
Where You Will Work:
This position is remote.
Salary:
The salary range for this position is $72,000 - $90,000 a year. DigniFi salary ranges are determined by role, level, and location. The salary range displayed in each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Please note, the base pay offered may vary within the range depending on a wide array of factors including but not limited to work location, job-related knowledge/skills, relevant education/training, and level of experience. Please note that the compensation details listed in postings reflect the base salary only, and do not include bonuses or benefits.
Ready to shape how we take smart risk while expanding access to credit?
As a Credit Risk Analyst, you’ll help design and refine the credit strategies that sit at the heart of our business. You’ll dig into approval rates, loss outcomes, and portfolio trends across segments and vintages, then turn those insights into recommendations on credit policy, decisioning rules, pricing, and terms that balance growth with disciplined risk management.
Working in a modern fintech environment, you’ll monitor model and scorecard performance, support scenario and tradeoff analysis, and deliver insights that inform credit strategy. This role offers the chance to build deep expertise in consumer lending risk while helping more customers access responsible, transparent financing for the auto repairs and essentials they depend on.
What You Will Do:
Credit Policy & Decisioning Analytics
- Analyze credit policy performance including approval rates, decision distributions, and cutoff effectiveness.
- Support evaluation of credit strategy metrics and tiering strategies.
- Monitor automated decisioning rules and identify opportunities for optimization.
- Provide analytical support for policy changes, limit adjustments, and offer structure refinements.
- Produce recurring credit performance reporting across segments, tiers, and vintages.
- Track origination quality metrics, early payment defaults, and delinquency emergence by cohort.
- Analyze credit attribute distributions, score migrations, and performance vs. expectations.
- Maintain dashboards and scorecards that support internal decision-making and investor/capital partner reporting.
- Model tradeoffs between approval rates, expected loss rates, and portfolio yield.
- Conduct segment-level profitability analysis to inform risk appetite decisions.
- Support scenario analysis and simulation frameworks for proposed policy changes.
- Analyze swap-in/swap-out populations to evaluate potential decisioning rule adjustments.
- Analyze pricing effectiveness across risk tiers, products, and channels.
- Support evaluation of term structures, APR strategies, and fee configurations.
- Provide data and insights connecting pricing decisions to portfolio economics and competitive positioning.
- Monitor credit model and scorecard performance (rank-ordering, KS statistics, Gini coefficients).
- Support model validation activities by preparing performance data and back-testing analysis.
- Analyze model input variables and feature importance to inform future model development.
- Collaborate on model performance reviews and enhancement opportunities.
- Partner with collections, servicing, and fraud teams to ensure aligned metric definitions and portfolio health understanding.
- Collaborate with finance on loss forecasting inputs, CECL analysis, and reserve adequacy.
- Support investor and board reporting with transparent loan-level data and performance analytics.
- Engage with technology teams on data access, decisioning platform enhancements, and reporting infrastructure.
Who You Are:
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or related quantitative field.
- Minimum 3–5 years of experience in credit risk analytics, underwriting analytics, or portfolio analytics (consumer lending preferred).
- Demonstrated experience using SQL and Python (or R) in a professional analytics environment.
- Experience with credit policy analysis, approval rate monitoring, vintage analysis, or loss forecasting.
- Exposure to decisioning platforms, credit bureaus, or underwriting systems.
- Strong understanding of consumer lending products, credit risk metrics, and underwriting workflows.
- Experience with credit scorecards, model performance monitoring, or model validation support.
- Experience designing or evaluating A/B tests or controlled experiments.
Why You’ll Love Working at DigniFi:
- High-growth opportunity with terrific upside potential.
- Founded to provide aid to people when they unexpectedly need help...responsible, respectful, and transparent access to a better financial future for our customers.
- Excellence-driven organization that values work/life balance.
- We’re a tight-knit team that values collaboration and genuinely loves working together.
What’s In It for You:
- Flexible PTO
- 12 Paid Holidays
- Up to 80% Employer-Paid Premiums for Medical, Dental and Vision Insurance
- Long-term Disability Insurance
- Basic Life Insurance
- Paid Parental Leave
- Matching 401K
- 100% Remote Work
Where You Will Work:
This position is remote.
Salary:
The salary range for this position is $72,000 - $90,000 a year. DigniFi salary ranges are determined by role, level, and location. The salary range displayed in each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Please note, the base pay offered may vary within the range depending on a wide array of factors including but not limited to work location, job-related knowledge/skills, relevant education/training, and level of experience. Please note that the compensation details listed in postings reflect the base salary only, and do not include bonuses or benefits.
Top Skills
Python
R
SQL
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The Company
What We Do
In 2012, DigniFi set out to redefine vehicle financing by removing the barriers everyday people encounter. Today, we offer access to fast and flexible financing options that help customers get what they need now and help businesses grow revenue down the line.
We put the application process in the customer’s hands where they need it most – at vehicle dealers and independent repair shops across the country. From urgent vehicle repairs and services to accessories and products, our process provides a contactless process and on-the-spot decisions to get customers rolling (or riding).
We’re growing fast and always on the lookout for people who want to be disruptive in the automotive financial space. We offer a collaborative and respectful work environment either remotely or on-site in Bellevue, WA.
DigniFi is an equal opportunity employer that values diversity and an inclusive culture.
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