Senior Lending Analyst

H&R Block•Remote, MO

3d•Remote

About The Position

H&R Block Financial Services builds credit and banking products that help customers access funds, manage their money, and move forward with confidence. Our Emerald Advance Loan, Refund Advance, and Spruce deposit products support millions of customers each year, combining the reach of a trusted consumer brand with the innovation of a modern fintech and neo-bank. We are seeking a Senior Lending Analyst to drive portfolio performance analysis and credit strategy development across our lending products, including origination, pricing, account management, and collections. This role sits at the intersection of credit analytics, risk management, and business decisioning, using data-driven insights to evaluate portfolio health, assess trade-offs, and recommend strategies that support responsible growth in a regulated consumer-finance environment. Partnering closely with Product, Risk, Finance, Operations, and Analytics teams, the Senior Credit Analyst will work on high-impact initiatives that directly influence credit outcomes and customer access to financial products while gaining broad exposure to business leaders and cross-functional stakeholders.

Requirements

5+ years of experience in credit analytics, risk analytics, or financial analytics with hands on portfolio analysis experience
Bachelor’s degree in a related field or the equivalent through a combination of education and related work experience
Experience supporting credit strategy in areas such as origination, pricing, account management, or collections
Strong analytical skills with proficiency in SQL and Excel, and working knowledge of Python or other analytics tools preferred
Solid understanding of consumer credit performance metrics and lending economics
Experience working in consumer lending, fintech, banking, or another regulated financial services environment
Ability to translate analysis into clear business recommendations and communicate effectively with cross‑functional partners

Nice To Haves

Masters degree in a related field or the equivalent through a combination of education and related work experience
Experience leading or materially supporting credit strategy design across origination, pricing, account management, or collections
Strong understanding of consumer lending economics, including approvals, losses, and profitability trade‑offs
Experience partnering cross‑functionally to test, implement, and monitor credit strategy or policy changes
Advanced degree in a related quantitative field, or equivalent experience

Responsibilities

Analyze and monitor credit portfolio performance across origination, account management, and collections, identifying trends, risks, and opportunities
Develop, evaluate, and optimize credit strategies including underwriting rules, pricing structures, loan assignment, and collection treatments
Conduct deep analyses on approval rates, delinquency, roll rates, losses, vintage performance, and profitability tradeoffs
Design and assess strategy tests and experiments (e.g., policy changes, pricing adjustments, treatment segmentation), defining success metrics and performance tracking
Prepare clear, actionable insights and recommendations for Credit Risk, Product, and business stakeholders to support data driven decision making