Credit Risk Analyst
You underwrite and monitor credit portfolios across financial products, analyze borrower and market risks, develop credit risk strategies, improve underwriting frameworks, advise product stakeholders, and identify opportunities for AI-driven automation and transparent automated decision governance.
Responsibilities
- Perform credit underwriting and portfolio monitoring
- Analyze business model, industry, and macroeconomic impacts on credit portfolios
- Develop and implement credit risk strategies
- Improve global and US-specific underwriting and monitoring frameworks
- Provide credit risk expertise for commercial product development
- Identify underwriting and credit decisioning steps suitable for AI automation
- Develop documentation and governance frameworks for automated decisions
- Monitor advancements in AI applied to credit risk
Requirements
- Minimum 3+ years of experience in commercial credit underwriting
- Experience in banking, fintech, or SME credit lending environments
- Ability to interpret financial statements and assess borrower quality
- Experience managing and assessing credit portfolios
- Experience with SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing
- Familiarity with US regulatory frameworks and credit risk guidelines
- Ability to balance risk and return within defined risk appetite
Benefits
- Restricted Stock Units (RSUs)