Company Overview:
At Snap Finance, we believe everyone deserves access to the things they need, regardless of credit history. Since 2012, we've used data, machine learning, and a more human approach to create flexible financing solutions that help people move forward. We're proud of our inclusive, supportive culture, built on empowering our customers, partners, and team members alike. When our people thrive, so does our innovation.
If you're looking to make an impact and grow with a team that values you, come join us!
Job Description
We are seeking a Lead Credit and Risk Analyst to strengthen our risk management and decision-making capabilities. This role requires an exceptional technical analyst with deep knowledge of credit and risk in the financing space. You’ll be hands-on with SQL and data analysis, trusted to produce accurate insights and reporting, and relied upon to guide high-stakes decisions impacting portfolio performance, profitability, and risk exposure.
How you'll make an impact:
Serve as a lead analyst for credit and risk performance, driving insight into portfolio health, delinquency trends, loss forecasting, and overall credit risk exposure.
Write performant SQL queries (Presto SQL, PostgreSQL) to ensure precise, trustworthy reporting and deep-dive analysis.
Build, own, and improve dashboards and reports that tie credit performance and operational risk to financial outcomes (P&L impact, reserves, and capital allocation).
Design and implement portfolio monitoring frameworks, detecting risk signals early and delivering actionable insights for credit policy adjustments.
Conduct advanced financial and variance analysis to evaluate portfolio performance and support strategic decision-making.
Partner with Finance, Accounting, and senior leaders to provide budget-to-actual and forecast-to-actual analyses.
Support risk model evaluation with data-driven insights to improve accuracy and ensure alignment with business strategy.
Deliver executive-ready reporting for monthly business reviews, board updates, and risk committee meetings.
Drive process improvements by automating workflows, strengthening data integrity, and improving audit readiness.
Mentor junior analysts and elevate team capability in SQL, credit/risk analytics, and best practices.
What you'll need to succeed:
5+ years of experience in credit risk analysis, financial services analytics, or a related field.
Bachelor’s degree in Finance, Accounting, Economics, Statistics, or a related discipline. (Graduate degree a plus.)
Strong command of SQL—capable of matching and mentoring our most technical analysts.
Proven ability to deliver accurate, timely reporting and insights with business impact.
Deep understanding of credit, risk, and portfolio management in consumer finance.
Experience with financial analysis, variance drivers, and P&L implications.
Familiarity with BI/analytics tools (e.g., Python, Tableau, Power BI) is a plus.
Strong communication skills to translate complex data into actionable recommendations for executives.
Leadership mindset—capable of mentoring, setting standards, and raising the bar for technical excellence.
Why Join Us:
Generous paid time off
Competitive medical, dental & vision coverage
401K with company match for US
Company-paid life insurance
Company-paid short-term and long-term disability
Access to mental health and wellness resources
Company-paid volunteer time to do good in your community
Legal coverage and other supplemental options
A value-based culture where growth opportunities are endless
More:
Snap values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website at www.snapfinance.com.
California Residents, please review our California Consumer Privacy Act Notice at https://snapfinance.com/ccpa-notice
Top Skills
What We Do
Snap Finance is a rapidly growing digital-finance company that specializes in providing consumer financing and rent-to-own purchase options. This company is technology driven; the IT platform is the backbone for running our operations and is critical to driving cost efficiency.
With over 10 years of experience in the financial industry, Snap provides merchandise financing to brick and mortar as well as e-commerce merchants. The Snap lease-purchase agreement is an innovative financial product which gives the 40% of consumers with poor credit an alternative to payday loans and other high-risk financial products to acquire needed or desired merchandise.
Snap Finance secured the largest bank revolving credit facility ever for a private consumer lease-to-own company. The credit facility from BMO Harris Bank will enable Snap Finance to service more than $1 billion in lease-to-own finance agreements.
