Data Analyst, Credit Risk 

At Current, we’re on a mission to enable our members to create better financial outcomes for themselves. Headquartered in NYC, we’re a leading U.S. fintech and one of the fastest growing companies with over million members. No matter your title, we welcome everyone to build great products, grow quickly, and make an impact together.

ABOUT THE ROLE:

We are seeking a strong Data Analyst with a specialization in Credit Risk. This role blends expertise in data analytics with a deep understanding of credit risk and liquidity products. Based in our NYC headquarters, you will be instrumental in leveraging data to enhance our credit risk management frameworks and drive informed decision-making.

RESPONSIBILITIES:

• Develop and maintain data-driven credit risk management frameworks for credit and lending products, including secured credit cards, liquidity products, and future credit offerings.
• Construct and optimize credit risk models throughout the credit lifecycle to achieve target risk-adjusted returns.
• Collaborate with internal stakeholders to write and refine credit policies/rules and procedures.
• Utilize internal, third-party, and credit bureau data to conduct in-depth analyses, identify gaps, mitigate losses, and support product growth.
• Drive data modeling requirements for analytics and data engineers.
• Build modular data models and dashboards in Looker for efficient and self-serve data analysis for the Banking team.
• Explore and build high value datasets to build credit reporting to generate actionable insights and uncover opportunities for the Credit/Banking team to succeed.
• Develop and own ongoing processes and reporting mechanisms for existing lending and liquidity products.
• Partner with Product and Engineering teams to validate and deploy rules and policies effectively.

ABOUT YOU:

• Bachelor’s degree in a quantitative field such as Finance, Economics, Mathematics, or Computer Science.
• 3+ years of experience in data analytics focusing on credit risk management, preferably with consumer credit cards, Buy Now Pay Later (BNPL) products, or unsecured consumer loans.
• 2+ years of experience building data models, reports and dashboards in BI tools
• You are a SQL expert, used to working with complex data sets; converting business problems into SQL is something that comes with ease to you.
• Expertise in defining and building meaningful metrics and KPIs.
• Intermediate-level expertise in Python.
• Prior experience building risk policies, models, rules, and strategies for credit and lending products.
• Detailed knowledge of credit bureau data, bank statement transaction data, or alternative credit data providers.
• Experience within the startup space is advantageous.
• Strong communication, collaboration, and problem-solving skills.
• Familiarity with statistical analytics and building ML models.
• Excellent communication, requirement gathering and prioritization skills.

Additional Skills and Qualifications:

• Experience with Looker or other business intelligence tools is preferred.
• Exposure to dimensional modeling concepts to power meaningful analytics.
• Ability to visualize data effectively and communicate insights clearly.
• Experience modeling data using dbt.
• Experience working with Fintech, banks or a B2C company.

This role has a base salary range of $130,000 - $175,000. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits. 

BENEFITS:

• Competitive salary 
• Stock options 
• 401(k) savings plan 
• Discretionary performance bonus program 
• Biannual performance reviews
• Medical, Dental and Vision premiums covered at 100% for you and your dependents 
• Unlimited time off and paid holidays 
• Generous parental leave policy
• Commuter benefits 
• Healthcare and Dependent care FSA benefit 
• Employee Assistance Programs focused on mental health 
• Healthcare advocacy program for all employees 
• Access to mental health apps 
• Team building activities
• Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches