Recommend underwriting, line/limit, and policy changes to responsibly grow approvals and usage (e.g., cutoffs, segmentation, decision logic), using internal behavior, external risk signals, and reject inference techniques.
Develop cross-product customer credit profiles by connecting external credit attributes to on-us behavior, and identify signals that generalize across products vs. are product-specific.
Drive outcomes from uncovering insights in monitoring, to recommending and executing against strategic insights.
Design, execute, and analyze experiments (A/B tests, holdouts, policy tests), turning results into strategic recommendations and roll-out plans.
Intertwine analytics with business and product strategy to craft business proposals that ultimately impact the bottom-line.
Dig into user behavior and “double-clicks” of the data to identify high-impact opportunities for product improvements or targeted outreach, including second-order impacts.
Leverage AI-powered tools and techniques to accelerate analysis, develop and validate predictive insights, and push the boundaries of what’s possible in product analytics.
Share business insights and product enhancement recommendations to senior leadership and stakeholders effectively and concisely.

4-7 years of professional experience in analytics with a proven track record of leveraging quantitative analyses to drive business or product changes in a fast-paced environment.
Demonstrated experience across consumer underwriting strategy and/or portfolio risk analytics.
Advanced SQL skills with a track record of extracting and analyzing complex datasets independently.
Strong analytical thinking and problem-solving skills — you can go from ambiguous questions to clear insights.
Proven ability to work cross-functionally to translate complex data questions into practical business guidance.
Intellectual curiosity to look beyond the ‘what’ and answer the ‘why’.
An act-like-an-owner mentality. We have a bias toward taking action.

Credit Analytics

Key skills