Senior Analyst, Credit Strategy & Insights

Navan • San Francisco, CA

74d

About The Position

Are you a sharp, inquisitive data expert ready to take your credit risk career to the next level? Join our high-impact team as a Senior Credit Risk Analyst, where your analytical acumen and innovative mindset will directly influence the growth and risk management of our commercial card portfolio. In this strategic and highly visible role, you'll leverage advanced analytics and modeling skills to drive smarter underwriting, optimize credit policies, and power decision-making across the organization. As a hands-on collaborator with Engineering, Product, Sales, and Operations, you'll turn vision into reality - from concept to execution, all while reporting directly to the Director of Credit.

Requirements

• 4+ years of hands-on experience with commercial card portfolio analytics, specializing in credit performance, quality analytics, and advanced risk modeling.
• Mastery of SQL, Python, and BI visualization tools; expert at data extraction, ML modeling, scenario analysis, and clear data storytelling.
• Demonstrated expertise in building, refining, and monitoring credit risk models (segmentations, loss forecasting, scenario analysis, and policy efficacy).
• Track record of managing and optimizing credit risk policies and approval systems.
• Outstanding at distilling complex quantitative concepts for both business and technical audiences; comfortable presenting to senior leaders and translating strategy into actionable steps.
• Exceptional at turning business vision into technical specifications, working closely with cross-functional teams to bring new strategies to life.
• Bachelor's or Master's degree in Finance, Economics, Statistics, Business, Data Science, or related quantitative field.

Responsibilities

• Shape & Optimize Risk Models: Design, build, test, and fine-tune sophisticated credit risk models and strategies that enhance underwriting performance, sharpen risk rating, and elevate portfolio segmentation.
• Lead Portfolio Analytics: Establish and track key performance metrics, perform deep-dive analytics, and produce data-driven business insights that identify emerging risks and uncover new opportunities for growth. Present your findings and recommendations to senior leadership.
• Design Robust Policy: Develop, implement, and continuously enhance credit risk management policies and approval frameworks, ensuring strong risk controls and an auditable compliance infrastructure.
• Systems Innovator: Lead the development, deployment, and evolution of state-of-the-art credit risk systems and workflows. Map current credit decisioning processes, spot opportunities for automation or system integration, and oversee both implementation and continual optimization in a fast-changing environment.
• Be a Strategic Partner: Collaborate across teams to translate high-level business objectives and analytics insights into clear, actionable technical requirements. Champion innovation and seamless execution with our Engineering, Product, Sales, and Operations partners.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Publishing Industries
• Education Level: Bachelor's degree
• Number of Employees: 1,001-5,000 employees