Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $21.3 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually.
WORKING AT OPORTUN
Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organization's performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups.
POSITION SUMMARY
Step into a role where risk management meets innovation. As a Sr. Analyst of Risk Management, you will pioneer strategies that ensure our personal loan products transform lives without compromising risk. You will design risk strategies that consider more than traditional credit scores. You will gain exposure to pricing, marketing and underwriting to build deep knowledge of installment loan business, helping drive growth and profit optimization. This is an exciting opportunity in a fast-paced organization where your contributions can have a meaningful impact.
RESPONSIBILITIES- Gain exposure to key areas such as risk underwriting, pricing, and direct mail marketing with the opportunity to specialize and focus on a specific area based on interest and business needs
- Partner with product, data science and engineering to design and implement tests; turn learnings into actionable strategies, presenting findings to stake holders to influence decision making
- Develop and maintain valuation frameworks to determine profitability at the margin; recommend changes to risk strategies to maximize profitability and ensure required return on capital for all risk segments
- Develop dynamic risk assessment frameworks using alternative data to evaluate creditworthiness and optimize loan amount assignment strategy given a set of constraints and assumptions.
- Design strategy ramp-up to support the expansion in new channels, new geographic regions and/or new partner sources while ensuring portfolio resilience
- Monitor portfolio performance, refining strategies to minimize defaults while maximizing credit access for the underserved
REQUIREMENTS
- Bachelor’s Degree in Engineering, Mathematics, Economics, Finance, or other analytical discipline (advanced degree in a quantitative discipline is a plus)
- 3+ years of experience in an analytic role, preferably in risk management of the financial services industry
- Very strong attention to detail, experience developing processes to implement strategy
- A self-starter - you naturally take ownership, look for opportunities, and drive recommendations through execution
- Adaptive to a fast-changing environment and have the drive to get things done
- Flexible in prioritizing work, managing multiple tasks and meeting deadlines
- Excellent SQL (or similar language) programming skills; proficiency in Python is a plus
- Advanced Microsoft Excel and PowerPoint skills
- Strong written and verbal communication skills
#LI-REMOTE
#LI-GK1
We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate.
California applicants can find a copy of Oportun's CCPA Notice here: https://oportun.com/privacy/california-privacy-notice/.
We will never request personal identifiable information (bank, credit card, etc.) before you are hired. We do not charge you for pre-employment fees such as background checks, training, or equipment. If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI’s Internet Crime Complaint Center (IC3).
Oportun Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Oportun and has not been reviewed or approved by Oportun.
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Healthcare Strength — Medical, dental, and vision coverage are described as comprehensive, with flexible spending accounts also offered. Company materials consistently position core health insurance as a strong part of the package.
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Leave & Time Off Breadth — Paid time off, paid holidays, and dedicated volunteer time off are highlighted across company and third‑party profiles. Time‑away programs are frequently called out as positives within the overall package.
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Flexible Benefits — Remote‑work options are available for many roles, alongside perks such as commuter benefits, legal assistance, employee discounts, and job training. Flexibility in where work is performed and a variety of add‑on perks broaden the total offering.
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What We Do
Oportun is an A.I.-powered digital banking platform that seeks to make financial health effortless for anyone. Driven by a mission to provide inclusive and affordable financial services, Oportun helps its nearly 1.5 million hardworking members meet their daily borrowing, savings, banking, and investing needs. Since inception, Oportun has provided more than $12 billion in responsible and affordable credit, saved its members more than $2 billion in interest and fees, and automatically helped members set aside more than $7.2 billion for rainy days and other needs. In recognition of its responsibly designed products, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.
