Senior Credit Analyst

Description

Lead by the Chief Risk Officer, SoFi’s Risk Management group has responsibility for ensuring that the organization’s growth in lending and other Member activities aligns with the company’s risk appetite. The group directly manages the credit risk strategies and policies for all products, administers a strong Third Party Risk management program in tandem with business line partners, promotes strong compliance with regulations, creates processes for excellent operational controls, and helps SoFi deliver on a great customer experience 

Responsibilities
 
Analyze portfolio performance to identify risk factors at early stage 
Analyze the performances and derive data driven strategies for risk and/or marketing treatment strategies 
Develop analytical tools ranging from customer segmentation to scorecard development 
Develop forecasting methods and monitor the performance of different acquisition vintages as well as the roll rate of different past due/default buckets to define portfolio performance trend 
Optimize targeting, offers and performance across multiple origination channels 
Analysis of opportunity and risk of new product offerings 
Perform other related duties as required and assigned 
  
Qualifications
 
MS in a quantitative field (e.g., Applied Math, Econ, Statistics or related field preferred) 
Five to seven years of experience in financial modeling/use of statistical/machine learning models 
Strong data analysis experience within the financial services industry 
Excellent SQL skills: extensive experience querying large, complex data sets 
High proficiency with Excel including pivoting capabilities and analysis modules – VBA macros and ODBC sourcing a plus 
Working knowledge of basic statistics; experience with R, SAS or similar a plus 
Proven track record at delivering timely and accurate information in a fast-paced environment 
Excellent critical thinking, problem solving, mathematical skills and sound judgment 
Strong business acumen and ability to interface with executive management