Credit Risk Analyst - United States (Remote)

One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place.

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!

As a Credit Strategy Analyst, your role entails utilizing advanced data extraction and analytics tools to manage and analyze complex datasets, extracting actionable insights crucial for crafting a mission-oriented credit strategy. Your duties encompass the full spectrum of the credit lifecycle, extending from acquisition to portfolio management and collections. You will address a variety of product lines, such as overdraft lines for demand deposit accounts, closed-end lending products, credit builder loans, and more. You will work closely with cross-functional teams including Product, Operations, Fraud, Data Science, and Engineering teams to ensure a holistic and effective approach to credit risk management.

This role is responsible for: 

• Developing and implementing credit strategies based on analytics (e.g. SQL, Python) and strategic long-term thinking.

• Owning the full lifecycle of credit policy changes from ideation through execution. …