Credit Strategy & Pricing Manager

• As a key member of the Credit Risk Team, you will be responsible for managing and crafting risk strategies along with developing and tracking appropriate metrics
• You will develop personal loan underwriting and pricing strategy, driving loan growth/yield improvement initiatives, managing program performance KPIs, and serve as an active stakeholder in flawless implementation
• Develop, implement and handle credit risk strategies that involve elements of credit underwriting, pricing, loan amount assignment and verification based on an estimation of probability of default
• Design A/B tests to help understand risk return tradeoffs using hypothesis testing frameworks
• Craft automated dashboards to track KPIs around funnel conversion and strategy/portfolio performance; summarize and present findings to senior management
• Use analytical techniques to mine loan data, and convert findings into executions, including risk mitigation actions, pricing optimization and credit expansion opportunities, to optimize risk-adjusted revenue
• Expand existing set of data used in credit decisioning process by evaluating information; value of non-traditional data sources and by re-engineering use of existing data elements
• Work closely with technology teams to ensure new strategies are implemented accurately and as designed

Benefits

• Untracked vacation for salaried employees, which means take it when you need it, and generous paid time off for hourly team members
• A hybrid work model that balances in-office and work from home
• Leading health and safety protocols related to COVID, including complimentary at-home testing kits from Cue Health for those coming to the office
• Up to 16 weeks paid leave for new parents, plus a fully paid, phased return-to-work policy for qualified leaves
• Mothers Rooms and hospital-grade pumps in every LC office
• Generous and varied mental health benefits
• Wellness program with cash incentives — earn up to $75 per month for being active
• Paid volunteer time and donation matching
• Onsite gym, locker room, bike room, and fitness classes (depending on location)
• Café with our own in-house barista
• Stocked pantries with healthy snacks and drinks
• Technology-forward and collaborative office spaces- 3+ years of experience in some combination of credit, analytics, risk management, and data science
• Bachelor’s degree or higher in a quantitative field (e.g. Statistics, Math, Engineering, Economics); or equivalent work experience
• Experience with BI/data visualization tools, like Tableau or Excel, to create dashboards
• Excellent written and verbal communication skills
• Technical skills such as SQL, SAS, R, and Python