Lead Credit Analyst

Wisetack

6d

About The Position

We are seeking an experienced Lead Credit Analyst to join our Risk team. Reporting to the Vice President of Risk, this role will be responsible for leading analytical projects that drive key decisions across portfolio performance, underwriting strategy, and credit risk management. This is a highly cross-functional role that will partner closely with Fraud, Data Science, and Data Engineering to deliver actionable insights, scalable monitoring, and sustainable decisioning strategies that support profitable growth.

Requirements

• Bachelor’s degree in math, economics, statistics, or other quantitative field
• 5+ years of experience in an analytical role
• 2+ years of consumer lending experience, either at a large bank or a fintech
• Proficiency in SQL, R or Python
• Proficiency in Data Lake, DBT or Git
• Excellent written, verbal, and interpersonal communication skills
• Strong sense of ownership with the ability to drive projects forward independently in a fast-paced environment

Nice To Haves

• Fintech experience
• Experience supporting underwriting strategy, credit policy, or fraud risk decisioning for consumer lending products
• Familiarity with building dashboards or automated monitoring using modern BI tools

Responsibilities

• Conduct in-depth portfolio and trend analysis to identify key performance drivers, emerging risks, and growth opportunities
• Develop insights and recommendations to optimize underwriting policies, credit decisioning, and fraud risk strategies
• Monitor and evaluate key credit metrics (e.g., approval rates, loss rates, delinquency trends, vintage performance) and communicate findings to stakeholders
• Partner with Analytics, Data Science, and Data Engineering to build scalable data models, automated reporting, and repeatable performance monitoring frameworks
• Support strategy testing and measurement efforts (e.g., champion/challenger experiments) to improve decision quality and customer outcomes
• Translate complex analyses into clear, concise narratives and recommendations for leadership and cross-functional partners
• Mentor team members on analytical best practices and help strengthen a data-driven culture across the organization

Benefits

• equity
• benefits

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level