Own the design, implementation, and ongoing optimization of PatientFi’s risk-based pricing framework.
Develop and refine pricing tiers, APR bands, and credit limit structures that accurately reflect borrower risk profiles, maximize risk-adjusted net interest margin (NIM), and remain competitive within our market.
Leverage comprehensive unit economics models—including loss-adjusted return, net yield, and other profitability measures—at the segment, vintage, and product level.
Translate portfolio performance data into actionable pricing and credit policy changes that improve overall portfolio performance.
Serve as the primary owner of portfolio profitability reporting.
Proactively track vintage performance, delinquency trends, prepayment behavior, and net charge-off trajectories to identify pricing dislocations and risk-adjusted return opportunities.
Lead preparation of monthly and quarterly credit risk and profitability evaluations for senior leadership.
Partner closely with Data Science, Finance, Product, and Sales teams to align pricing strategy with funding costs and growth objectives.
Ensure all pricing strategies and underwriting decisions adhere to PatientFi’s internal credit policies and applicable state and federal regulations, including FCRA, ECOA/Reg B, UDAAP, and TILA/Reg Z.

5–8 years of experience in consumer credit risk, pricing strategy, risk-based pricing, or portfolio analytics within a financial services or fintech environment, with demonstrated ownership of profitability-focused initiatives.
Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
Advanced degree (MBA, MS in a quantitative discipline) a plus.
Experience designing and optimizing risk-based pricing frameworks for consumer credit products.
Proven ability to connect credit risk parameters to pricing outputs, net yield targets, and economic outcomes.
Proficiency in SQL, SAS, and/or Python for large-scale data analysis and model development.
Strong command of Google and/or Microsoft business suite (Sheets/Excel/PowerPoint) for financial modeling and executive presentations.
Strong working knowledge of US consumer lending regulations including FCRA, ECOA/Reg B, UDAAP, and TILA/Reg Z, with particular sensitivity to fair lending implications of pricing strategies.
Proven ability to synthesize complex pricing and profitability analyses into clear narratives for senior leadership and cross-functional stakeholders across all levels of the business.
Comfortable presenting in business reviews and influencing strategic decisions with data.

Medical, dental, and vision premiums covered at 80% for employees and dependents
Unlimited PTO
401(k)
Parental leave
AD&D policy provided at no cost to employees

Senior/Lead Credit Strategy Analyst

Key skills