Senior Credit Risk Analyst
About The Position
Block is seeking a Senior Credit Risk Analyst to join their Enterprise Risk Management team. This role is at the intersection of credit risk analytics, data science, and strategic risk management. The analyst will leverage advanced querying, AI-assisted analytics, and predictive portfolio performance monitoring to identify emerging credit trends and develop forward-looking risk indicators. These indicators will inform the company's risk appetite and underwriting strategies. The role involves working directly with senior leadership to support credit risk strategy at a fast-growing fintech bank, utilizing cutting-edge AI tools to solve complex problems.
Requirements
- Bachelor's degree preferably in a business or quantitative field
- 5+ years of prior credit risk experience in a bank / financial services organization
- Experience with regulatory requirements and guidelines
- Experience in BI tools, creating dashboards and reports for senior management review
- Strong interpersonal, analytical, verbal and written communication skills
Nice To Haves
- Looker Dashboards
- Snowflake querying
- Claude or AI skills
Responsibilities
- Monitor credit performance across consumer and commercial portfolios
- Build and maintain credit risk dashboards that provide real-time visibility into portfolio health for senior management and the Board
- Analyze early warning signals (7-day delinquency, payment behavior changes, credit utilization patterns) to predict portfolio stress before it materializes in losses
- Track key credit risk indicators (KRIs) defined in the Bank's Risk Appetite Statement, including delinquency rates, charge-off metrics, risk grade distributions, and concentration limits
- Prepare monthly/quarterly credit risk reports for the management and board committees
- Lead or challenge credit risk assessments for new products, partnerships, underwriting policy changes, and portfolio expansion initiatives
- Partner with Credit, Underwriting, and Product teams to implement corrective actions and prevent recurrence
- Support regulatory examinations by preparing credit risk documentation, responding to examiner requests, and presenting portfolio performance
Benefits
- Remote work
- medical insurance
- flexible time off
- retirement savings plans
- modern family planning
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What This Job Offers
Job Type
Full-time
Career Level
Senior
