Senior Credit Risk Analyst - Katapult Group

Community Choice Financial Family of Brands • ,

23h

About The Position

Katapult Group is seeking a Senior Credit Risk Analyst to join its Credit Risk Strategy team. The role reviews and optimizes credit risk criteria for underwriting and offers, aiming to enhance merchant performance, reduce losses, and increase portfolio profitability. It evaluates underwriting strategies, offer structures, line assignments, promotional campaigns, and portfolio performance to identify opportunities and risks throughout the customer and merchant lifecycle. While the role overlaps with collections performance monitoring, its primary focus is upstream credit strategy, underwriting criteria, merchant performance, and data-based recommendations that support profitable growth. The position partners across the business to improve decisioning, customer outcomes, merchant performance, and portfolio profitability in a fast-paced environment. Preferred locations are Plano, Texas, or Dublin, Ohio.

Requirements

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, Data Analytics, or a related field.
• 5 to 8 years of relevant experience in credit risk, underwriting strategy, portfolio analytics, consumer finance, fintech, or related analytical functions.
• Strong understanding of consumer credit risk management, underwriting strategies, offer optimization, and portfolio performance monitoring.
• Experience analyzing large datasets and translating findings into actionable recommendations that balance growth, risk, and profitability objectives.
• Demonstrated experience evaluating approval criteria, line assignment strategies, promotional campaigns, or credit policy changes.
• Strong analytical skills, including using data to diagnose performance trends, identify risks, and quantify business opportunities.
• Proficiency in SQL, Excel, and/or other analytical tools.
• Ability to work cross-functionally and communicate clearly with technical and non-technical stakeholders.
• Strong sense of ownership, attention to detail, and ability to manage multiple priorities in a fast-paced environment.

Nice To Haves

• Experience with Python, BI tools, or statistical modeling.
• Experience in consumer finance, lease-to-own, subprime or near-prime lending, merchant financing, or e-commerce financing.

Responsibilities

• Review and optimize underwriting decision criteria, approval strategies, and offer structures to improve risk-adjusted performance and profitability.
• Analyze customer, merchant, and portfolio performance to identify growth opportunities, loss drivers, and emerging credit or fraud risks.
• Evaluate merchant-level performance, including approval and conversion rates, customer payment behavior, losses, and profitability trends.
• Develop data-based recommendations that enhance merchant outcomes while maintaining appropriate credit risk controls.
• Manage and refine line assignment strategies to align offers with customer risk, affordability, and profitability objectives.
• Review the performance of pricing tests and portfolio initiatives, assess their effectiveness, and recommend optimizations.
• Identify upstream underwriting opportunities to improve downstream collections performance, payment behavior, and recovery outcomes.
• Monitor credit performance indicators, including approval quality, early payment performance, fraud trends, charge-offs, and customer behavior patterns.
• Partner with Operations, Finance, Sales, and Product teams to translate insights into action.
• Prepare clear reporting, analysis, and recommendations for business stakeholders, including executive-level summaries when needed.

Benefits

• Performance-based career advancement.
• Multiple medical insurance coverage choices, all including telemedicine and medical spending account options when enrolled (HSA/FSA).
• Traditional 401(k) and Roth 401(k) retirement plans with a company match.
• Company-sponsored life and AD&D insurance.
• Voluntary benefits options including dental, vision, short- and long-term disability, supplemental life and AD&D insurance, accident, critical illness, hospital indemnity, identity theft protection, legal services, and pet insurance.
• Complimentary access to mental health resources, life coaching, and other Employee Assistance Program resources for employees and their family members.

What This Job Offers

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