Senior Credit Analyst

The role

We seek an experienced Senior Credit Analyst to enable and accelerate Step’s Lending projects.

What you'll do

• Build pricing models that drive sustainable growth and profitability of the lending program.
• Ideate new pricing structures, underwriting iterations and product differentiators with a cross-functional team of Product, Legal, Compliance, Data and Engineering.
• Implement detailed data tracking of key KPI's that make the health of the lending program accessible and easy to explain for stakeholders.
• Model product performance over time and use those insights to support on creating strategy proposals to drive the lending business forward.
• Work closely with Data Science to optimize profitability by assisting with model development and credit policy creation
• Create customer risk profiles that can be used as a point of reference for the lending program
• Perform ad-hoc analysis to understand business and customer trends.

What we're looking for

• 8+ years experience in analytics.
• Previous experience with creating and modeling pricing structures and credit policies.
• Strong understanding of lending and experience in financial analysis.
• Experience performing credit risk analysis and customer risk segmentation.
• Strong command of SQL and one or more modern programming languages.
• Experience with data visualization tools like Looker, Mixpanel, Tableau, etc.
• Ability to communicate clearly with both technical and non-technical audiences.
• Bias towards simple solutions that work.
• Self-starter and able to work autonomously.

Working at Step

• Competitive salary based on experience, with full medical and dental benefits 💸
• High potential for growth 📈
• Stock in an early-stage startup 🤩
• Flexible WFH and vacation policy 🏝
• Paid parental Leave 🐣
• Employee referral program 👯‍♀️👯
• 401K plan 💪🏻