Credit Analytics

The role

You will own credit and product analytics for in house liquidity products. You will create credit strategies and policies to balance growth and risk while working cross functionally with product, engineering and data science teams.

What you will do

• Own credit strategy end-to-end across advance, overdraft and other credit products
• Create policies that balance growth and risk
• Connect segmentation and behavioral signals across products to uncover new insights
• Launch new credit products from scratch
• Leverage AI-powered tools and techniques to accelerate analysis
• Develop and validate predictive insights
• Share insights and recommendations to senior leadership and stakeholders

Required qualifications

• 4-8 years of professional experience in credit analytics
• Proven track record of leveraging quantitative analyses to drive business or product changes in a fast-paced environment
• Advanced SQL and AI skills
• Ability to independently pull and analyze complex datasets
• Strong analytical thinking and problem-solving skills
• Intellectual curiosity

Nice to have

• Experience with consumer underwriting strategy and/or portfolio risk analytics
• Cash advance, overdraft, BNPL, or short-term consumer lending experience

Benefits

• Competitive base salary
• Stock options
• Health benefits from Day 1
• 401(k) plan with company match
• Flexible time off (FTO)

Before you apply

• AI-assisted initial screen
• Interview with Talent Partner
• Technical or Hiring Manager Interview
• Team Interview
• Executive Interview

About the company

OnePay is a consumer fintech all-in-one financial services platform. It is backed by Walmart and Ribbit Capital.