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Reach Financial™ · 1 month ago

Credit Risk Analyst

New York, NY

Full-time

Onsite

Entry, Mid Level

$90K/yr - $110K/yr

Reach Financial is a FinTech platform dedicated to helping people manage their debt effectively. The Credit Risk Analyst will perform data analysis to optimize credit risk and develop data-driven business strategies for personal loan products while collaborating with cross-functional teams to drive insights and support business growth.

BankingFinancial ServicesPayments

H1B Sponsor Likely

Responsibilities

Perform data analysis across various marketing channels to optimize credit risk, origination volume and funnel conversion

Utilize statistical and segmentation tools to develop data driven business strategies for personal loan products, that balances volume and risk-return targets

Retrieve data and conduct data driven analytics from internal database and external vendor data, utilizing various analytical tools, software and techniques

Forecast delinquency and loss curves for consumer lending products

Develop processes and tools to track, analyze and report monthly portfolio performance of various acquisition channels & drive credit insights

Present the analyses, findings and recommendations to stakeholders across the organization

Execute on a wide range of analyses- descriptive measurement and reporting, dashboarding, ad hoc inquisitive problem solving and predictive forecasting

Help design experiments & A/B test different credit & marketing strategies, create data-backed recommendations to balance credit risk & volume to help make strategic business decision

Engage in model building and feature engineering exercises

Collaborate and work with cross functional team including data science, marketing, product and operations

Qualification

Data analysisPythonSQLStatistical toolsModel trainingData analytics experienceExcelPowerPointCommunication skillsPresentation skillsCollaboration

Required

Bachelor's Degree in Mathematics, Statistics, Econometrics, Operation Research, Computer Science, or other quantitative fields

Proficient using Python to manipulate data and draw insights from large data set

Skilled in Excel and PowerPoint

Good communication and presentation skills

Preferred

Proficiency in SQL, Snowflake, Tableau is a plus

Experience in data analytics or lending products is a plus

Experience in model training, deployment, and monitoring is a plus

Benefits

Remote First Culture with optional Hybrid opportunities

Healthcare, Life Insurance, 401k Match

Paid Time Off, Paid 12-week Parental Leave

Disability (short-term, long-term), Employee Assistance Program

Spending Accounts (Transit/Parking, Medical, Dependent Care)

Insurance Discounts (home, auto, pet)

Company

Reach Financial™

Reach Financial is a financial services company helping people outsmart debt for good.

Founded in 2015

New York, New York, USA

51-200 employees

https://www.reach.com

H1B Sponsorship

Reach Financial™ has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (8)

2024 (3)

2023 (7)