Credit Risk Senior Analyst

The Impact You’ll Have

• Evaluate and refine credit policies and models for both consumer and SMB credit cards to minimize losses and enhance profitability.
• Develop and implement tailored, data-driven strategies for effective management of the consumer and SMB credit card portfolios.
• Conduct risk segmentation, behavioral, loss forecasting, line management and other empirical analyses to support and refine credit models used in underwriting practices for consumer and SMB credit card portfolios.
• Build dashboards and present regular reports on key performance indicators (KPIs) and key risk indicators (KRIs) specific to consumer and SMB credit cards to senior management.
• Maintain up-to-date knowledge of regulations and compliance requirements affecting both consumer and SMB credit card products.

Who You Are

• Bachelor’s degree in Mathematics, Statistics, Economics, Finance, or another quantitative field.
• Minimum of 3 years of professional experience in a financial institution with a focus on credit risk analysis.
• Advanced proficiency in SQL and experience with statistical modeling, including machine learning techniques.
• Demonstrated ability to solve white space problems and develop innovative solutions.
• Exceptional attention to detail and the ability to work independently on complex projects.
• Strong communication skills, with experience in presenting and explaining complex data to senior leadership.
• Innate curiosity to dive into a problem with minimal instruction to discover what the issue might be.

Nice-to-Haves

• Master’s degree in a related field.
• Proficiency in Python and R for data analysis and modeling.
• Direct experience in managing consumer and SMB credit card portfolios.
• Experience with automated decision engines.
• In-depth knowledge of regulatory standards specific to the credit card industry.

Compensation and Benefits

Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States:

• National: A baseline tier that applies to most of the geographic territory of the United States.
• Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA.
• Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City.

Visit the compensation page or consult with a Recruiter to determine which tier would be applicable to you.