Manager of Credit Analytics

Above Lending is a next-generation financial services company. We provide simple and transparent products aimed at helping our clients achieve their personal finance goals. With competitive rates and personalized support, our mission is to simplify the lending process and help borrowers attain financial well-being. We are committed to making credit more affordable and accessible.

The Manager of Credit Analytics position will drive material improvements in loan performance by leading initiatives to lower credit losses and/or grow low credit loss loan originations. This person should be the kind of person who would thrive in a start-up environment – self sufficient, hard driving, and able to power through obstacles. This person will conduct analysis to uncover opportunities, convert findings into proposals, then make the changes happen. This person will closely monitor business performance to ensure we are getting the promised / expected results. 

If you are a motivated analytical professional seeking to make a significant impact in the lending industry, we encourage you to apply for the position at Above Lending. Join our team and contribute to our mission of providing responsible financial solutions to borrowers.

This is a hybrid role, with expectation to be on-site in our Chicago office 3x per week.

You Will:

• Develop business strategies to drive growth and profitability
• Find actionable insights, rigorously prove them, then build analysis powered recommendations on actions to improve business practices.
• Improves credit performance by connecting historical behavior to future consumer credit trends
• Analyze credit report data, trade-line data, application data, bank transaction data and past loan performance to make recommendations on changes to loan approval and eligibility criterion
• Manage and sequence delivery of business intent, build business requirements and execute against the strategy. 
• Strong analytic findings communication skills: effective written and oral communication of analytic findings and their implications. Ability to translate this into a clear business proposal communication.
• Collaborate with cross-functional teams, such as sales, operations, and legal, to gather necessary information and ensure a smooth and efficient underwriting process.
• Stay up to date with industry regulations, compliance requirements, and best practices in credit analysis to ensure compliance and drive continuous improvement.

You Have:

• 6-12 years prior experience in the consumer lending industry, preferably credit card, personal loans or auto loans
• Bachelor’s degree in any quantitative field (Business, Match, Economics, Finance, Statistics, Science, Engineering)
• The ability to singlehandedly take a problem statement, analyze relevant data, and then build actionable recommendations on what to do about it
• Hands on experience analyzing credit data, for purposes of improving credit decisions and/or loss forecasting
• Prior experience building analysis based recommendations on how to improve business practices
• A successful track record of thriving in a fast paced, entrepreneurial, and dynamic environment
• Strong analytical and financial modeling skills, with the ability to interpret complex financial data and draw actionable insights
• Strong SQL skills
• Proficiency in using credit scoring models and financial analysis tools
• Solid understanding of lending principles and credit risk assessment
• Excellent attention to detail, time management, and organizational skills to handle multiple tasks and meet deadlines
• Strong communication and interpersonal skills to collaborate effectively with cross-functional teams 

What We Offer:

• Considerable employer contributions for health, dental and vision programs
• Unlimited personal time-off 
• 401(K) match with immediate 100% vesting
• Merit advancement opportunities 
• Career development & training

Join our dynamic team and contribute to Above Lending’s success as we continue to provide innovative lending solutions to our customers.

Under the California Consumer Privacy Act (“CCPA”), Above Lending is informing California residents who are our job applicants, contractors or prospective employees (together “job applicants”) about the categories of personal information we collect about you and the purposes for which we will use this information. This notice and our Privacy Policy contain important information relating to the CCPA and apply only to personal information that is subject to the CCPA. Please see our website for the full CCPA statement.

*Above Lending is an equal opportunity Employer*

Above Lending does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job positions. No fee will be paid to their parties who submit unsolicited candidates directly to Above Lending employees or the Above Lending Finance and HR teams. No placement fee will be paid to any third party unless such a request has been made by the Above Lending HR team.