Buy Now Pay Later (BNPL) for services like home repair, dental, and auto, with fair and transparent terms for consumers.

Sr. Credit Risk Analyst (Remote)

| Remote
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At Wisetack, we’re building financially-responsible consumer lending products that help service-based businesses thrive.
Wisetack is a well-funded ~100 person startup founded in 2018 by a team of experienced fintech veterans, with a leadership team that comes from PayPal, LinkedIn, Lending Club, Affirm, Amazon, and other top companies. We’re backed by leading VCs, including Insight Partners, Greylock, and Bain Capital Ventures, (investors in Airbnb, LinkedIn, Instagram, Dropbox, and many more.)
We raised a $45M Series B last year and since then, we've invested in our people and technology and signed a slew of new partnerships. This is a fun stage in any company's lifecycle where we've got the core foundation built, a healthy growth rate, and a clear path to success, but you'd still be joining early enough to help shape the future of the company.
Business Insider called us one of the 70 most promising startups changing the world of finance, LendIt selected us as this year's winner in the Best Emerging Lending Platform category for their Fintech Industry Awards, and we were just named to the inaugural SMBTech 50 list (perhaps you saw us on the billboard in Times Square?) The external recognition is great, but we're equally -- if not more -- happy with the recognition from our customers. Our current NPS rating is a sky-high 78. We're proud that we're building a product that customers love.
  • Perform credit analyses to improve new customer underwriting (approve/decline, loan amount assignment, and pricing)
  • Monitor and report credit product risk and portfolio trends
  • Design and perform various types of analyses such as Vintage, Time Series, Deep Dive, What-If, and Root Cause analyses on our lending portfolios. Analyze and report key findings. Recommend appropriate policies, procedures, controls, and underwriting guidelines to manage risk.
  • Research, collect, and analyze external macro-economic and industry trends to forecast their impact on consumer credit risk
  • Develop a solid understanding of segment level valuations to develop optimal policies at the segment level
  • Work closely with Data Scientists to leverage new underwriting risk models
  • 2+ years of experience performing credit analyses in consumer lending businesses (e.g., credit cards, auto loans, unsecured loans)
  • Ability to perform analyses with a high degree of autonomy and accuracy
  • Strong sense of ownership and business orientation
  • Strong technical skills - SQL, Excel Macros/VBA - R/Python is a bonus
  • Ability to communicate insights clearly and succinctly (written and verbal)
  • Experience using Tableau or other software for data exploration & visualization is strongly preferred
  • BS / MS in a quantitative discipline (Computer Science, Mathematics, Statistics or Engineering) preferred
Spend a little time on our About Us page researching our team and our values, and check out our Press page and our blog for more background on what we do. If you think this might be a fit, we’d love to hear from you!
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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • JavaLanguages
    • JavascriptLanguages
    • PythonLanguages
    • SqlLanguages
    • TerraformLanguages
    • ReactLibraries
    • SparkFrameworks
    • DynamoDBDatabases
    • TableauAnalytics
    • AmplitudeAnalytics
    • FigmaDesign
    • ConfluenceManagement
    • Google DriveManagement
    • Google DocsManagement
    • Google SlidesManagement
    • JIRAManagement
    • TrelloManagement
    • WebflowCMS
    • InsightlyCRM
    • SalesforceCRM

What are Wisetack Perks + Benefits

Wisetack Benefits Overview

We provide competitive equity packages, a 401(k) plan, comprehensive health plans, FSA/HSA, One Medical, Kindbody, & Talkspace memberships, learning and development stipends, commuter benefits and unlimited PTO. Yes, really, unlimited.

Friends outside of work
Daily sync
Team owned deliverables
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Dental Benefits
Vision Benefits
Health Insurance Benefits
Retirement & Stock Options Benefits
Company Equity
Child Care & Parental Leave Benefits
Flexible Work Schedule
Remote Work Program
Family Medical Leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Holidays
Perks & Discounts
Commuter Benefits
Company Outings
We get together as a company twice a year: once in the spring, and once at the end of the year. Different teams hold their own gatherings another 1-2 times during the year.
Home Office Stipend for Remote Employees
Professional Development Benefits
Job Training & Conferences
Cross functional training encouraged
Promote from within
Continuing Education stipend

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