Credit Analyst, US Core

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Credit Analyst, US Core based in United States.

This role offers the opportunity to influence the future of consumer credit by combining advanced analytics, credit strategy, and product innovation. The ideal candidate will help shape lending decisions through rigorous analysis, experimentation, and data-driven recommendations. You will work at the intersection of credit risk, machine learning, and financial products within a fast-moving, technology-driven environment. This position provides high visibility and the chance to collaborate directly with senior leaders and cross-functional teams. You will contribute to refining credit models, improving underwriting strategies, and launching new product initiatives. The role is designed for an analytical thinker who enjoys solving complex problems, testing new ideas, and creating meaningful impact at scale.

Accountabilities:: The Credit Analyst will play a key role in supporting credit strategy, model optimization, and product experimentation initiatives. This individual contributor position requires strong analytical capabilities, business judgment, and the ability to translate complex insights into actionable recommendations.

Support the continuous development and refinement of credit models and underwriting policies to maintain strong performance and operational efficiency.

Analyze credit performance, risk trends, and customer behavior to inform strategic decisions and improve lending outcomes.

Partner on new product experiments, evaluating credit implications, pricing strategies, and potential opportunities for growth.

Apply both quantitative analysis and customer-focused thinking to help transform early concepts into scalable credit solutions.

Translate complex analytical findings into clear recommendations for senior stakeholders and business partners.

Collaborate with data science, product, marketing, and risk teams to align credit initiatives with broader business objectives.

Develop structured approaches to ambiguous analytical challenges and independently drive projects from problem definition through execution.

Stay informed on emerging trends in lending, credit risk, analytics, and artificial intelligence to continuously improve methodologies.

Requirements:

The ideal candidate will have experience in credit risk, quantitative analysis, or financial analytics, combined with strong communication skills and the ability to operate effectively in a fast-paced environment.

Bachelor’s degree in a quantitative discipline such as Engineering, Business, Finance, Computer Science, Mathematics, Economics, or a related field; advanced degree is a plus.

5+ years of experience in credit risk, data analytics, or another quantitative role, ideally within consumer lending or financial technology.

Strong analytical and problem-solving skills with the ability to manage complex and evolving business challenges.

Ability to communicate technical findings clearly to both analytical teams and executive-level stakeholders.

Demonstrated ability to influence decisions and build trust with cross-functional partners without direct authority.

Experience working with credit models, underwriting strategies, risk analysis, or related financial decisioning processes.

Creative, action-oriented mindset with a willingness to test, iterate, and develop solutions in ambiguous situations.

Curiosity and enthusiasm for learning new tools, methodologies, and developments in credit, lending, and AI.

Benefits:

Competitive compensation package with a salary range of $170,000 - $200,000 USD.

Equity opportunities and performance-based bonus eligibility.

Fully remote, virtual-first work environment with team members across multiple countries and time zones.

Work-from-home office reimbursement to support a productive remote setup.

Flexible healthcare plans with significant company support.

Direct exposure to leadership and opportunities to influence high-impact business decisions.

Career growth opportunities based on contribution and impact rather than traditional timelines.

Paid global team gatherings and company onsite events.

Collaborative culture focused on innovation, ownership, respect, and meaningful customer impact.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!  Why Apply Through Jobgether?    Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.     #LI-CL1