Credit Risk Analyst

Join Prosper, the first peer-to-peer lending marketplace in the U.S. As a Senior Credit Risk Analyst, you will develop credit and fraud strategies, conduct ad-hoc analysis, and communicate findings to the Risk Management team. You will have the opportunity to utilize advanced analytical skills and work in a mission-driven team. Benefits include flexible vacation, stock options, 401K matching, comprehensive health insurance, and more.

• Develop credit and fraud strategies to improve credit performance using data, machine learning models, and advanced analytics tools.
• Design A/B tests and understand the risk and customer experience trade-offs, continuing to innovate by testing new data and analytics approaches.
• Partner with Data Science, Product, Engineering, and other teams to implement credit and fraud prevention strategies, test and validate performance.
• Curious to ask questions, probe into reasons and challenge the status quo
• 2+ years of experience with a Bachelors (or less with Masters) managing credit risk and/or fraud and/or data science in consumer lending industry, consumer personal loan / credit card experience is a plus
• Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required
• Ability to work in fast-paced environment and meet deadlines without sacrificing quality
• Self-starter; comfort dealing with ambiguity
• Strong ownership and motivation to drive business result
• Must have strong proficiency in SQL and Python, Experience with DBT and Looker will be a plus
• Bachelors degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics
• Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
• Strong analytical and problem-solving skills
• We will also consider candidates who don’t have financial services experience but have strong technology background and analytical skills
• At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description