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Director, Credit Risk Analytics

Prosper· Finance – Credit Risk Management
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Remote$215k - $260kFull-Time EmployeePosted 2w ago

About the role

The Director, Credit Risk Analytics is responsible for underwriting and portfolio credit strategies and oversight of credit quality and performance of the Credit Card business. They will review, analyze, and enhance risk strategies through the use of Machine Learning models and credit data to manage new accounts growth while managing credit losses within the risk appetite.

Responsibilities

  • Innovate and Optimize: Develop cutting-edge underwriting and portfolio credit, pricing, and line strategies to continually enhance credit performance using data, ML/AI models, and advanced analytics tools. Bring an out-of-the-box mindset to our credit and fraud risk management framework, balancing risk-return trade-offs with creative solutions.
  • Drive Strategy and Action: Translate complex findings into actionable enhancements. Present data-driven recommendations to executive leadership and the Credit Risk Committee, always weighing business impact and resource allocation.
  • Master External Communication: Serve as a trusted voice to our investors, translating complex data into clear, compelling narratives and insights that build confidence and transparency.
  • Champion Cross-Functional Collaboration: Partner seamlessly with the Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering teams. Cultivate an open-minded environment where internal and external stakeholders can work together to implement and monitor high-performing strategies.
  • Manage Risk Appetite: Ensure credit losses consistently remain within the company’s defined risk appetite.
  • Discover New Capabilities: Identify, evaluate, and build business cases for new products, vendors, alternative data sources, and emerging technologies.
  • Monitor and React: Analyze credit performance at a granular segment level on an ongoing basis to identify key performance drivers, spot emerging trends, and implement strategy changes as needed.

Qualifications

  • Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related field.
  • 10+ years of experience managing credit risk within Credit Card businesses, with strong business acumen and deep knowledge of credit management.
  • 5+ years of people leadership experience, with a proven ability to develop and mentor high-performing teams.
  • Demonstrated ability to thrive in a fast-paced environment and meet deadlines without compromising quality. A quick, agile thinker who can confidently and constructively address questions on unfamiliar topics with clarity and conviction.
  • Outstanding thought leadership, with the capability to build, refine, and elevate credit strategy frameworks through innovative and structured approaches.
  • Exceptional communication skills, both written and verbal, with the ability to articulate complex analyses and technical subject matter clearly and succinctly to internal stakeholders, external partners, and Senior Management.
  • A quick thinker who can confidently address questions on unfamiliar topics with clarity and conviction.
  • A strong team player with a collaborative mindset and a business-owner mentality, able to partner effectively across functions.

Skills

Required:Machine LearningCredit Risk ManagementData Analysis

Benefits

  • A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security.
  • Flexible time off and paid parental leave to support well-being.
  • Annual wellness allowance and comprehensive health coverage.
  • Udemy access, childcare assistance, pet insurance, and Beneplace discounts.
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.

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