Senior Credit Risk Analyst

About the Company

A well-established and growing company is seeking a Senior Business Analyst to join its Analytics team. The organization serves a large customer base and relies heavily on data to drive business decisions across risk, operations, revenue, and growth initiatives.

Analytics professionals are viewed as strategic partners to the business and play a key role in identifying opportunities, solving problems, and influencing decision-making. Close collaboration with leadership and cross-functional teams provides strong visibility and the opportunity to make a measurable impact on business performance.

Growth across the organization has created an opportunity for someone who enjoys solving complex problems, working with data, and helping shape strategy through thoughtful analysis and recommendations.

The Opportunity

The Senior Business Analyst will join the Analytics function with an initial focus on Credit Risk Strategy, resident screening, and fraud-related initiatives.

Success in this position requires a blend of analytical depth, strategic thinking, business judgment, and intellectual curiosity. Responsibilities extend well beyond reporting and dashboard development. An ideal candidate will identify opportunities, frame business problems, evaluate data, develop recommendations, and drive solutions through implementation.

Visibility to senior leadership is a significant component of the role. Recommendations developed by this individual will help shape policies, influence strategy, optimize performance, and improve business outcomes across several functions.

Early projects will focus on credit risk performance, resident screening effectiveness, portfolio quality, approval strategies, and fraud prevention initiatives. Exposure will naturally expand into additional areas of the business, including operations, revenue optimization, customer strategy, and broader commercial initiatives.

Key Responsibilities

• Serve as a strategic advisor to the business by using data and analytics to influence decisions and develop recommendations.
• Analyze credit risk, resident screening, and portfolio performance data to improve approval rates, increase occupancy, and reduce losses.
• Evaluate existing credit policies and decision frameworks to identify opportunities for improvement.
• Assess fraud trends and recommend solutions that strengthen controls and reduce risk exposure.
• Investigate complex business questions and independently determine the most effective analytical approach.
• Develop hypotheses, perform quantitative analysis, and translate findings into actionable business recommendations.
• Present insights and recommendations to leadership teams and executive stakeholders.
• Partner with Risk, Product, Operations, Revenue, and Analytics teams on critical cross-functional initiatives.
• Lead projects from initial analysis through implementation and performance monitoring.
• Measure outcomes and continuously refine recommendations to improve business results.

Required Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business Analytics, Data Analytics, or a related quantitative discipline.
• Five or more years of experience in credit risk, analytics, business strategy, risk management, or a related function.
• Demonstrated experience solving business problems through quantitative analysis.
• Strong ability to translate analytical findings into recommendations that influence decision-making.
• Experience working within financial services, banking, lending, consumer finance, credit products, mortgage, auto finance, collections, recoveries, or fraud-focused environments.
• Excellent communication and presentation skills with experience engaging senior stakeholders.
• Proven ability to manage priorities independently and operate effectively in ambiguous environments.

Preferred Backgrounds

Experience in any of the following areas will be highly relevant:

• Credit Risk Strategy
• Credit Policy
• Credit Analytics
• Portfolio Monitoring
• Collections Strategy
• Risk Pricing
• Fraud Strategy
• Lending Analytics
• Business Consulting
• Strategic Analytics

Relevant titles may include:

• Credit Risk Analyst
• Credit Strategy Analyst
• Credit Risk Strategy Analyst
• Senior Credit Analyst
• Risk Analyst
• Credit Policy Analyst
• Fraud Strategy Analyst
• Collections Strategy Analyst
• Risk and Pricing Analyst

Technical Qualifications

• Advanced SQL skills with the ability to independently access, manipulate, and analyze large datasets.
• Strong Excel proficiency, including pivot tables, lookups, data modeling, and financial analysis.
• Practical Python experience for data manipulation, statistical analysis, and exploratory research.
• Exposure to regression analysis, hypothesis testing, model monitoring, or other quantitative methodologies is preferred.

What Success Looks Like

Strong performance in this position is defined by the ability to create clarity where no roadmap exists.

Top performers naturally ask questions, challenge assumptions, and identify opportunities before they are presented to them. Analytical skills are important, but intellectual curiosity, commercial thinking, and strategic problem-solving ultimately differentiate the strongest candidates.

An ideal candidate enjoys tackling complex business challenges, leveraging data to support decisions, and influencing positive outcomes through thoughtful recommendations and execution.

Why This Opportunity Stands Out

• Direct visibility to senior leaders and decision makers.
• Opportunity to influence strategy rather than simply report on performance.
• Significant ownership from analysis through implementation.
• Exposure to high-impact initiatives involving credit risk, fraud, operations, and revenue optimization.
• Environment that values independent thinking and proactive problem-solving.
• Opportunity to build broad business knowledge while strengthening analytical and strategic leadership capabilities.
• Career path that offers continued exposure to multiple areas of the organization.

Location

Primary consideration will be given to candidates located in:

Tempe, Arizona

Additional consideration will be given to candidates located in:

Atlanta, Georgia

Dallas, Texas

Regular onsite attendance is required.

Compensation

Base salary ranges from $100,000 to $117,500 depending on experience, qualifications, and overall fit.

Eligible employees will participate in an annual bonus program, with bonus eligibility beginning in 2027.

Work Authorization

Candidates must be authorized to work in the United States on a permanent basis both now and in the future.

Employer sponsorship is not available for this position. Eligibility is limited to individuals who possess unrestricted and permanent authorization to work in the United States without requiring visa sponsorship, immigration sponsorship, petition support, work authorization extensions, status transfers, or any form of employer-sponsored immigration assistance during employment.

Applicants must not require sponsorship now, within the next several years, or at any point during future employment. Eligibility is limited to candidates whose authorization to work in the United States is permanent and does not depend upon future sponsorship, visa renewals, extensions, transfers, status changes, or immigration support of any kind.

Individuals working under F-1 OPT, STEM OPT, CPT, H-1B, TN, E-3, O-1, J-1, or other employment-based visa classifications requiring current or future sponsorship support are not eligible for consideration.

Candidates who anticipate needing sponsorship in one year, three years, five years, or at any future point during employment will not meet the requirements of this position.

U.S. Citizens and U.S. Permanent Residents (Green Card holders) are encouraged to apply.