Credit Risk Manager/Senior Analyst

Thrive Financial, LLC • Domestic, IN

91d • Remote

About The Position

At Thrive Financial, Credit Risk Managers/Analysts have the opportunity to shape business outcomes through actionable, data-driven insights as the company is in high growth mode. This role is for someone who is able to apply analytics in an environment of ambiguity and incomplete ownership and loves working cross functionally. You are a data nerd who is passionate about leveraging AI and automation for analytics, a relationship builder, and you know how to weigh risk against opportunity. This role will be foundational in continuing to optimize the Thrive credit policy.

Requirements

• Three or more years working in a lending analytics roles with at least two years spent working in a risk environment where the consumer credit risk isn’t the whole story
• Earned increased responsibility or promotions through performance, not tenure
• Worked in an early-stage company (or equivalent environment) where structure was minimal and initiative mattered, or can clearly demonstrate that you’ve succeeded without heavy process or support
• Comfortable wearing multiple hats today, with an eye toward building and leading a team in the future
• SQL and/or Python wizard
• Passionate about leveraging AI and automation to build lean and scalable risk analytics programs
• Hands-on by default - excited to dive into consumer data, solve real problems, and deliver tangible value
• Naturally look for patterns and gaps, and feel compelled to create structure where none exists
• Balance empathy and accountability, building trust while driving outcomes
• Energized by growth (both personal and organizational) and want to level up into people leadership over time
• Trustworthiness: Prioritize long-term relationships, follow through on commitments, and ensure alignment across stakeholders.
• Collaboration: Actively invite diverse perspectives and use them to arrive at better solutions — for customers and for the business.
• Stewardship: Approach your work with a servant mindset, focused on supporting contractors, teammates, and the broader mission of responsible financial access.

Responsibilities

• Build out analytics and procedures to monitor credit performance and uncover opportunities to protect Thrive’s bottom line
• Produce reporting and dashboards that effectively communicate credit risk trends to a variety of stakeholders
• Monitor and enhance credit underwriting models
• Update loss forecasting estimates and analyze portfolio profitability
• Identify improvements for more efficient customer underwriting to reduce friction while maintaining decision integrity
• Leverage automation and AI to drive more insights with less overhead

Benefits

• Fully remote

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed