Sr. / Lead Credit Strategy Analyst

Company Description

PatientFi® is a technology-based, point-of-sale financing company in Irvine, CA that partners with healthcare providers to offer patients a friendly payment solution for out-of-pocket medical and dental procedures. The company serves various healthcare specialties, including plastic surgery, dermatology, ophthalmology, dentistry, fertility, and medical spas. PatientFi's mission is to expand patient access to elective healthcare treatments by removing the cost barrier and providing patients with a convenient payment option.

JOB DESCRIPTION
As a Sr./Lead Credit Analyst at PatientFi, you will be the primary owner of risk-based pricing
strategy and portfolio profitability—focusing on the intersection of credit risk, pricing strategy, and
profitability. You will continuously refine and optimize existing pricing to determine how we price risk
across our consumer loan portfolio, ensuring that every credit decision drives sustainable, risk-
adjusted returns. You will lead the development of new pricing models, yield optimization strategies,
and loss-adjusted return analyses that directly influence PatientFi’s performance. This is a high-
visibility, high-impact role with direct exposure to senior leadership and significantly contribute
towards the company’s future growth.

WHAT YOU’LL DO

• Risk-Based Pricing Strategy: Own the design, implementation, and ongoing optimization of PatientFi’s risk-based pricing framework. Develop and refine pricing tiers, APR bands, and credit limit structures that accurately reflect borrower risk profiles, maximize risk- adjusted net interest margin (NIM), and remain competitive within our market.
• Profitability & Yield Analytics: Leverage comprehensive unit economics models—including loss-adjusted return, net yield, and other profitability measures—at the segment, vintage, and product level. Translate portfolio performance data into actionable pricing and credit policy changes that improve overall portfolio performance.
• Portfolio Performance Monitoring: Serve as the primary owner of portfolio profitability reporting. Proactively track vintage performance, delinquency trends, prepayment behavior, and net charge-off trajectories to identify pricing dislocations and risk-adjusted return opportunities. Lead preparation of monthly and quarterly credit risk and profitability evaluations for senior leadership.
• Cross-Functional Collaboration: Partner closely with Data Science, Finance, Product, and Sales teams to align pricing strategy with funding costs and growth objectives. Represent the credit function in profitability-focused business reviews and decisions.
• Policy & Compliance: Ensure all pricing strategies and underwriting decisions adhere to PatientFi’s internal credit policies and applicable state and federal regulations, including FCRA, ECOA/Reg B, UDAAP, and TILA/Reg Z. Actively monitor for fair lending and disparate impact risks within pricing frameworks.
• The requirements listed are representative, but not all-inclusive of the knowledge, skills, and/or
  abilities needed to perform successfully in this position.
  

BASIC QUALIFICATIONS

• Experience: 5–8 years of experience in consumer credit risk, pricing strategy, risk-based
  pricing, or portfolio analytics within a financial services or fintech environment, with
  demonstrated ownership of profitability-focused initiatives.
• Education: Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related
  quantitative field. Advanced degree (MBA, MS in a quantitative discipline) a plus.
• Pricing & Profitability Expertise: Experience designing and optimizing risk-based pricing
  frameworks for consumer credit products. Proven ability to connect credit risk parameters to
  pricing outputs, net yield targets, and economic outcomes.
• Analytical & Technical Proficiency: Proficiency in SQL, SAS, and/or Python for large-
  scale data analysis and model development. Strong command of Google and/or Microsoft
  business suite (Sheets/Excel/PowerPoint) for financial modeling and executive
  presentations.
• Regulatory Awareness: Strong working knowledge of US consumer lending regulations
  including FCRA, ECOA/Reg B, UDAAP, and TILA/Reg Z, with particular sensitivity to fair
  lending implications of pricing strategies.
• Communication & Influence: Proven ability to synthesize complex pricing and profitability
  analyses into clear narratives for senior leadership and cross-functional stakeholders across
  all levels of the business. Comfortable presenting in business reviews and influencing
  strategic decisions with data.

PREFERRED QUALIFICATIONS

• 5+ years of experience at a Fintech, Marketplace Lender, or Unsecured Consumer Lending
  institution with direct ownership of risk-based pricing.
• Experience building or refining strategies that incorporate alternative data sources
  (cashflow, open banking, behavioral signals) alongside traditional bureau attributes.
• Hands-on experience with point-of-care (POC) and/or B2B2C lending business models.
• Familiarity with capital markets concepts (cost of funds, securitization economics, whole-
  loan pricing) and how they interface with consumer credit pricing strategy.
• Experience integrating ML/AI models into production pricing or underwriting workflows.
• Track record of measurably improving NIM, risk-adjusted returns, or loss-adjusted yield
  through risk-based pricing strategy changes.
• Self-motivated

The requirements listed are representative, but not all-inclusive of the knowledge, skills, and/or abilities needed to perform successfully in this position.

Why Join PatientFi?

• Be part of a high-growth, mission-driven company revolutionizing patient financing.
• Work with a dynamic, collaborative team that values innovation and execution.
• Opportunity to make a significant impact in a rapidly expanding market.

Benefits:

• Medical, dental, and vision premiums covered at 80% for employees and dependents
• Unlimited PTO
• 401(k)
• Parental leave
• AD&D policy provided at no cost to employees

(NOTE: At this time, PatientFi is unable to sponsor or take over sponsorship of an employment Visa.)

• PatientFi provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristics protected by federal, state or local law.