Senior Analyst Credit Strategy
3 weeks ago
As a dynamic company with massive potential, we’re backed by leading investors such as Lightspeed Venture Partners, Menlo Ventures, 83North, Citi Ventures, and nearly 9 years of proven success. Since launching in 2013, we have grown exponentially, amassing over 400,000 customers across all 50 states and a global team of more than 500 people. Our passion is driven by purpose: to give small businesses the tools they need to succeed and we’re just getting started.
All of this begins with our team who are driven by collaboration, problem-solving, and learning and growing together. With a commitment to innovation and community impact, our mission is to help every small business—and every team member—thrive. Join us #LI-Hybrid
We are looking for a skilled and motivated professional to join as the Sr. Risk Strategy Analyst for Credit and Pricing Strategy based out of Bluevine office in Bangalore, India. The successful candidate will possess a strong analytical mindset, an understanding of credit risk management and profitability assessment, and the ability to make data-driven decisions.
What You'll Do:
- Partner closely with lending managers and cross-functional teams like product, finance, risk analytics & capital markets to identify and recommend opportunities to improve risk strategies considering profitability as business objective
- Monitor and evaluate the risk adjusted margin of the credit portfolio to identify opportunities for pricing and loss improvement and propose pricing changes ( rate, fee structure) and risk policy changes
- Enhance existing credit risk strategies and pricing framework and help build a robust and scalable process
- Develop Risk based pricing structure including considerations of impact on funnel; adverse selection and risk adjustment margin; execute and monitor risk strategies and pricing test campaigns
- Provide data-driven insights to senior management to support strategic decision-making
- Identify opportunities and scale additional areas of risk and pricing reporting and strategy
What We Look For:
- Strategic & analytic orientation - Strategic mindset with the ability to align risk and pricing strategies with overall business goals. Conceptual thinking skills must be complemented by a strong quantitative orientation with ability to drive decision-making & problem-solving based on data.
- Strong business judgment, leadership and integrity: Ability to make informed and timely decisions based on data analysis
- Ability to navigate unstructured problems - Someone who gets excited about creating structure from an unstructured problem area; and is not afraid to get their hands dirty
- Strong communication skills: Ability to convey complex concepts to diverse audience, including executives, team members, and other stakeholders
- Clear results orientation: Display an intense focus on achieving both short and long term goals
- Adaptability: Someone who is excited to work in a fast paced, entrepreneurial and dynamic environment.
- Continuous Learning: Eagerness for ongoing professional development and staying informed of industry trends
- Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering) from a recognized Tier 1 institution
- 3+ years of relevant experience in analytics, strategy, etc.
- SQL, BI and Excel high proficiency
- Regression & forecasting modeling techniques
- Experience in building financial/valuation models
- Experience in test design, A/B Testing
Bonus points if you also have:
- Experience in Financial services (U.S. bank/fintech/line of credit/credit card experience a plus)
- Experience in Credit products
- Knowledge of Python.
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