LatentView Analytics · 21 hours ago
Credit Risk Analyst
California, United States
Full-time
Hybrid
Senior Level, Lead/Staff
$130K/yr - $140K/yr
8+ years expLatentView Analytics is a leading global analytics and decision sciences provider, delivering solutions that help companies drive digital transformation. The Credit Risk Analyst role involves designing innovative credit strategies, optimizing underwriting policies, and collaborating with various teams to enhance credit risk frameworks.
AnalyticsBig DataConsultingMachine Learning
Responsibilities
Design and deploy innovative approval, qualification, and segmentation strategies that maximize application approval rates while achieving credit loss targets
Develop and maintain underwriting policies that define minimum acceptance criteria and policy declines for segments outside Mulligan’s risk appetite
Create statistically grounded credit limit assignment frameworks that optimize lifetime customer value while managing downside risk
Design pricing and interest rate strategies, including testing frameworks, to ensure adequate loss coverage, strong borrower selection, and high customer take-up rates
Optimize data collection strategies by balancing the information value of data against customer friction and operational cost
Partner closely with the manual underwriting team to build a hybrid risk framework that integrates analytical strategies with expert manual review, ensuring consistent execution and continuous feedback loops. This would require innovative credit strategy tooling to create differentiated credit pathways for applications based on their profile, loan amount exposure and complexity of underwriting required
Collaborate with Product, Engineering, and Data Science teams to design and deploy scalable infrastructure that enables rapid iteration and refinement of credit strategies
Establish robust portfolio monitoring and reporting processes to track approval rates, credit performance, and risk metrics against expectations
Apply a thoughtful, forward-looking approach to portfolio construction to ensure assets are resilient across economic cycles and attractive to debt investors on a risk-adjusted basis
Incorporate macroeconomic trends and forward-looking risk signals into credit strategy to ensure ongoing relevance in evolving market conditions
Qualification
Required
8+ years of relevant experience in commercial risk data science and credit strategy within a fintech or banking environment
At least 3–4 years of hands-on experience designing, calibrating, and managing credit strategies for Merchant Cash Advance (MCA) products; prior MCA credit strategy experience is required
Strong experience overseeing model deployment, execution, and monitoring within a production environment
Master's degree in Data Science, Statistics, Economics, Finance, or a related quantitative discipline required
Bachelor's degree in a related quantitative field such as Data Science, Statistics, Mathematics, Economics, Finance, or Engineering required
Preferred
ML Ops experience is highly preferred
Company
LatentView Analytics
LatentView Analytics is a predictive analytics and enterprise decision management services firm.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2021-11-23IPO
Leadership Team
Rajan Sethuraman
CEO
Pramad Jandhyala
Co-Founder & Director
Recent News
Hindu Business Line
2025-10-25
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