Credit Risk Analyst

Full time

Rise is building a bank all businesses love, and can't live without! This turns out to be a pretty wild endeavor, so we’re looking to bring someone smart onto our risk team to help us out.

About the Role

As a founding member of Rise's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies, including underwriting and customer management strategies. This role requires an understanding of credit concepts, fluency with data, and the ability to drive a broad set of projects fairly independently. The role also requires the ability to work with cross-functional teams (product, engineering, operations, finance, marketing, sales and design) to influence and execute on risk strategies.

What You’ll Do

  • Leverage external (e.g. banking data, commercial credit bureau data, financial data, commerce data) and internal performance data to come up with insights to develop best in class credit policies (e.g. underwriting, credit limit increase programs, risk management) that will create value for Rise and its customers
Understand Rise's exposure to across multiple products (charge card, reimbursements, bill pay) to create holistic underwriting and risk management strategies
Implement risk metric monitoring by researching/resolving risk events and developing levers that mitigate risk factors
Analyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policy
  • Partner with product, engineering and design teams to execute credit policies and features, and shape the risk management infrastructure
  • Partner with data scientists to build and leverage credit risk models in Rise's credit policy
  • Partner with finance teams to create and maintain risk adjusted returns framework, including loss forecasting
  • Partner with partnerships and business teams to create bespoke policies for partner channels

What You Need

  • Minimum 2 years of experience in credit risk management
  • Experience within consumer/corporate/small business cards, payments, lending, or related industries
  • Excellent written and verbal communication skills
  • Knowledge of SQL, Python, or R

Nice to Haves

  • Experience in high growth startups
  • Experience building complex financial products
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