Credit Risk Analyst

At Wisetack, we’re building financially responsible consumer lending products that help service-based businesses thrive.

Wisetack is a well-funded growing startup founded in 2018 with a leadership team that comes from Lending Club, Affirm, Varo Money and other top FinTech companies. We’re backed by leading VCs, including Insight Partners, Greylock, and Bain Capital Ventures, (investors in Airbnb, LinkedIn, Instagram, Dropbox, and many more).

We raised a $45M Series B and have invested in our people and technology while growing our partnerships. We grew 10x in 2021, and exceeded the goal of growing 4x in 2022. This is a fun stage in any company's lifecycle where we've got the core foundation built, a healthy growth rate, and a clear path to success, but you'd still be joining early enough to help shape the future of the company. 

Most recently, we were recognized as the Best Consumer Lending Solution by Finovate Awards and have been selected by LendIt as a 2022 winner in the Best Emerging Lending Platform category for their Fintech Industry Awards. The external recognition is great, but we're equally — if not more — happy with the recognition from our customers. Our current NPS rating is a sky-high 78 (industry average hovers around the 40s or 50s, depending on who you ask). We're proud that we're building a product that customers love as well as being recognized as a Great Place to Work by our team members.

The Credit Risk team is crucial to the success of Wisetack enabling sustainable growth, while closely managing the profitability and resilience of our portfolio. The Credit Risk Analyst is well-versed in writing SQL queries, interpreting data, evaluating credit performance, and utilizing data analytics to derive insights for the development of credit strategies. Your work in designing and performing analyses will provide critical insights about our lending portfolio's performance to improve our borrower and merchant underwriting. 

• Perform credit analyses to improve new customer underwriting (approve/decline, loan amount assignment, and pricing)
• Create and maintain business intelligence tools to monitor and report on key performance metrics for credit risk, fraud, and credit operations 
• Monitor and validate accuracy of implementation and modifications to KYC, fraud screening, credit eligibility, and loan pricing 
• Develop a solid understanding of segment level valuations to develop optimal policies at the segment level
• Work closely and collaborate with other teams including fraud, product, data science, and data engineering

• Must have 1+ years of experience performing credit analyses in consumer lending businesses (e.g., credit cards, auto loans, unsecured loans)
• Ability to perform analyses with a moderate autonomy and accuracy
• Strong sense of ownership and business orientation
• Strong technical skills - SQL, Excel Macros/VBA - R/Python is a bonus
• Ability to communicate insights clearly and succinctly (written and verbal)
• Experience using Tableau or other software for data exploration & visualization is strongly preferred
• BS / MS in a quantitative discipline (Computer Science, Mathematics, Statistics or Engineering) preferred

• FinTech experience

The range of base salary for the position is between $70,800 - $99,100, plus equity, and benefits. Please note that the base salary range is a guideline, and individual total compensation will vary based on factors such as qualifications, skill level and competencies.

Spend a little time on our About Us page researching our team and our values, and check out our Press page and our blog for more background on what we do. If you think this might be a fit, we’d love to hear from you!