Senior Credit Risk Analyst

Position : Senior Credit Risk Analyst

Location : Remote (CST or EST preferred)

Duration : Direct Hire / Permanent / Full-Time

No Sponsor or C2C.

Need US Citizen or Green Card holders.

About the Role

The Senior Credit Risk Analyst will play a critical role in analyzing and managing risk across diverse credit card portfolios. Reporting directly to executive leadership, this person will shape credit policies, improve portfolio performance, and deliver actionable recommendations that drive sustainable growth. You'll partner closely with analytics, operations, product, and compliance teams to ensure sound credit practices, smart risk decisions, and strong profitability.

Qualifications

Bachelor's degree in Finance, Economics, Statistics, or related field.

4-7 years of experience in credit risk or portfolio analysis, ideally within consumer lending.

Must have owned or redesigned credit policy ; able to articulate lifecycle decisions

Technical proficiency : SQL, Python, or R (current models built in R)

Strong analytical and quantitative skills with advanced Excel expertise.

Proven experience in credit decisioning, performance monitoring, and policy evaluation.

Solid understanding of consumer credit regulations and compliance standards.

Strong communication skills, with the ability to present complex data clearly.

Preferred

Background working with credit union or community banking portfolios.

Experience in credit card, unsecured lending, or other consumer credit products.

Familiarity with credit bureau data and analytics providers.

Knowledge of SQL, Python, or R for data querying and analysis.

Exposure to credit risk modeling and statistical analysis.

Key Responsibilities

Portfolio & Policy Management

Monitor and interpret performance trends across multiple credit union portfolios, identifying patterns that influence credit quality and profitability.

Review exceptions and make informed credit decisions in line with established policies.

Refine credit policies and develop programmatic guidelines to balance growth and risk.

Continuously evaluate portfolio health and recommend strategies to improve performance.

Analytics & Reporting

Define and oversee requirements for regular portfolio reporting and dashboards.

Build clear, data-rich reports and present insights to senior leadership.

Track and analyze core risk metrics, including delinquency, charge-offs, yield, and exposure.

Translate complex findings into concise, actionable recommendations.

Cross-Functional Collaboration

Partner with Operations to enhance delinquency management and recovery processes.

Work with Marketing to assess campaign risk and define qualified customer segments.

Collaborate with Product teams to evaluate new features or programs that may affect credit exposure.

Coordinate with Compliance to ensure adherence to regulatory requirements.

Strategic Recommendations

Develop and present regular portfolio insights and optimization proposals to senior executives.

Identify opportunities to automate and streamline decisioning processes.

Contribute to broader business strategies that balance customer growth with credit discipline.