Senior Credit Risk Analyst

Senior Credit Risk Associate

Location: Chicago (Hybrid, 3 days per week)

Salary: $115,000 to $130,000 base plus 15 percent bonus paid quarterly

Visa sponsorship not available

A fast-growing, data-driven financial services company is seeking a Senior Credit Risk Associate to join its analytics function and support credit acquisition strategy. This role focuses on making disciplined, data-led credit decisions that balance growth, risk, and regulatory compliance.

This is a strong opportunity for an experienced credit analyst who enjoys combining hands-on analytics with strategic input and cross-functional collaboration.

The Role

The successful candidate will focus on pre-enrollment credit risk strategy and play a key role across the customer lifecycle.

Key responsibilities include:

• Developing and enhancing credit risk strategies across acquisition and early lifecycle stages
• Analysing application data, credit bureau reports, trade lines, and portfolio performance
• Partnering with model development teams on scorecards and machine learning models
• Monitoring early risk indicators and overall portfolio health
• Ensuring compliance with ECOA, FCRA, and UDAAP regulations
• Presenting insights and recommendations to senior stakeholders
• Collaborating closely with sales, operations, and legal teams
• Conducting market and industry research to inform strategy

About You

This role suits someone who is analytically strong, commercially aware, and comfortable influencing decision-making.

Required experience:

• 4+ years of experience in credit analytics, underwriting, or consumer lending
• Strong background in acquisition strategy and credit decisioning
• Advanced SQL skills
• Experience with Python or R preferred
• Familiarity with Tableau, Snowflake, and cloud data environments
• Experience working with credit bureau data, scoring models, and underwriting frameworks
• Background in consumer-facing financial services or lending

Interview Process

• Short SQL-based technical assessment
• Virtual interview with the hiring manager
• Final interview with senior commercial leadership

Why Apply?

• High-impact role within a growing analytics team
• Strong business performance without aggressive headcount expansion
• Clear exposure to senior stakeholders and decision-makers
• Comprehensive benefits including employer-paid healthcare, flexible time off, and a 401(k) with immediate vesting