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    Credit Risk Analytics - Chicago, United States - NinjaHoldings

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    Full time
    Description


    NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our EDGE brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance.

    JOB SUMMARY

    NinjaHoldings is looking for an analytics leader to join our Risk & Analytics team. In this role, the hire will develop risk strategies and policies for the new lending products, lead data driven initiatives to optimize portfolio performance, work with business units and senior management, and monitor key performance indicators (KPIs). This is an exciting opportunity for a self-starter who can think outside the box while exploring data to come up with new ideas and recommendations.

    KEY RESPONSIBILITIES:
    • Develop and own credit risk strategy for new lending products and continuously iterate to improve approval criteria, credit limit assignment strategies and performance
    • Establish performance metrics, develop automated reporting dashboards using SQL and Python to monitor portfolio performance
    • Conduct analysis using advanced data analytics to evaluate trends in portfolio performance and provide recommendations to optimize portfolio risk based on company targets
    • Work with cross-functional teams to explore new ways of finding insights from data, identify patterns and trends, and make recommendations to senior management
    • Design A/B testing strategies for underwriting experiments, evaluate impact and provide recommendations
    • Work with external vendors to prioritize and manage product evaluation and data studies
    • Communicate concise and actionable business strategies to senior management
    REQUIREMENTS
    • Bachelor's degree in a quantitative discipline required (e.g., math, statistics, analytics, quantitative finance, engineering, or other quantitative fields)
    • 5+ years of experience with data analytics in Credit Risk, supporting risk strategies for consumer lending products
    • Established experience with relational databases and SQL
    • Programming experience with Python
    • Strong quantitative and problem-solving skills with key attention to detail
    • Experience supporting and working with cross-functional teams in a dynamic environment
    • Excellent communication skills and ability to interface with business units and senior leadership (C-suite) across the organization
    • Ability to effectively manage multiple cross-functional projects with tight deadlines
    NICE TO HAVE
    • Advanced degree in a quantitative discipline (e.g., math, statistics, analytics, quantitative finance, engineering, or other quantitative fields)
    • Experience working with specialty finance or FinTech
    BENEFITS
    • Competitive salary and benefits package
    • Flexible, remote work
    • Fun, fast-paced work environment
    • Dynamic start-up culture
    • Convenient downtown Chicago office located in the heart of the city
    • Equal opportunity employer


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