Credit Risk Analyst

We’re looking for a motivated and analytically minded Credit Risk Analyst to join our team supporting credit decisioning, pricing strategy, and portfolio performance for our rapidly growing auto-finance business. In this role, you’ll work with credit data, performance trends, and pricing models to help shape decisions that balance growth, risk, and profitability. This is a hands-on role with strong visibility across underwriting, tech, finance, and analytics teams, perfect for someone eager to deepen their expertise in credit risk, consumer lending, and risk-based pricing. Success in this role requires a team-oriented, “how can I help” mindset, flexibility during high-demand periods, and a willingness to dive into both recurring responsibilities and creative problem-solving as needs evolve in our fast-paced, collaborative environment.What You’ll DoAnalyze credit application data, bureau attributes, and internal performance metrics to identify risk patterns and recommend credit policy adjustments.Support the development, calibration, and monitoring of pricing models that optimize originations volume, expected losses, and yield.Evaluate risk-adjusted profitability across segments, channels, dealers, and credit tiersConduct competitive pricing analysis and monitor market trends in subprime auto lendingPartner with underwriting, finance, technology, and data science teams to refine credit scorecards, decision rules, and pricing strategies.Monitor early-stage delinquency, loss trends, and vintage performance to identify emerging risksPrepare clear, data-driven presentations for senior leadership on credit performance, pricing impacts, and strategic recommendations.Assist in stress testing, scenario modeling, and forecasting for credit and pricing initiatives.Are You A Fit?What You NeedBachelor’s degree in Finance, Economics, Statistics, Mathematics, or related field.2+ years’ experience in auto finance or consumer lendingProductive in SQL and database architecture. R or Python a plus.Ability to work on multiple projects and prioritize daily workload.High-level verbal and written communication skills.Detail-oriented and inquisitive.Creative, entrepreneurial, and a problem solver.Preferred SkillsExperience in the auto finance industryStrong programming capabilitiesStatistical background and knowledgeFamiliarity with credit bureau data, segmentation, and scorecard-based decisioning.Exposure to pricing analytics or risk-based pricing frameworksPhysical RequirementsSitting for long periods of time.Staring at a computer screen for extended periods of time.What We Offer YouCompetitive SalaryHealth Insurance (medical, dental, and vision)401(k) Retirement PlanPerformance Bonus Unaccrued PTOIncentive Stock OptionsCollaborative Work Environment