← All roles

Sr. Director, Credit Risk Analytics

Prosper· Finance – Credit Risk Management
Apply on company site
Remote$240k - $338kFull-Time EmployeePosted 2mo ago

About the role

Senior leadership role responsible for credit underwriting, pricing, verification strategies, and overall credit performance of Prosper's Personal Loan business. Leads development of automated decisioning strategies and end-to-end credit risk management, collaborating across functions to drive profitable growth and investor returns.

Responsibilities

  • Innovate and Optimize: Develop cutting-edge credit, pricing, and verification strategies to continually enhance credit and fraud performance using data, ML/AI models, and advanced analytics tools.
  • Drive Strategy and Action: Translate complex findings into actionable enhancements and present data-driven recommendations to executive leadership and the Credit Risk Committee.
  • Master External Communication: Serve as a trusted voice to investors, translating complex data into clear narratives.
  • Champion Cross-Functional Collaboration: Partner with Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering.
  • Manage Risk Appetite: Oversee credit loss forecasting and stress testing to keep losses within defined risk appetite.
  • Discover New Capabilities: Identify, evaluate, and build business cases for new vendors, alternative data sources, and emerging technologies.
  • Monitor and React: Analyze portfolio performance at granular segment levels and adjust strategies as needed.

Qualifications

  • Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or related quantitative field.
  • 12+ years of experience managing credit risk within the Credit Card or Personal Loan sectors; strong knowledge of credit and fraud risk management; loss forecasting a plus.
  • 7+ years of people leadership experience; track record mentoring and developing high-performing teams.
  • Exceptional written and verbal communication skills; ability to present to internal stakeholders, external partners, investors, and executives.
  • Collaborative mindset and ability to partner across diverse functions.
  • Agility to thrive in a fast-paced environment and meet deadlines without compromising quality.
  • Thought leadership in building and refining credit strategy frameworks.
  • Flexibility to work in a hybrid environment.

Skills

Required:Credit risk managementLeadershipCommunicationData-driven decision making

Benefits

  • A competitive salary
  • 401(k) with 5% company match
  • Flexible time off and paid parental leave
  • Annual wellness allowance
  • Comprehensive health coverage
  • Udemy access, childcare assistance, pet insurance, Beneplace savings
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Prosper

Helping people thrive since 2005.

Prosper is a financial services company providing personal loans, credit cards, home equity lines and loans, investing options, and more, with a focus on helping individuals thrive financially.

Personal LoansCredit CardHome EquityInvestingIRAsBusiness LoansStudent Loans
Company profileWebsite

More open roles at Prosper