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Sr. Analyst, Credit Risk Analytics

Company: NinjaHoldings
Location: Chicago
Posted on: March 20, 2023

Job Description:

NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our NinjaEdge brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance.
Job Summary
NinjaHoldings is looking for a Sr. Analyst to join our Risk & Analytics team. In this role, the hire will provide data driven insights, work with business units and senior management, and monitor key performance indicators (KPIs). The hire will investigate any anomalies in underwriting and performance as well as provide data driven suggestions for expanding and containing risk. The ideal candidate is a self-starter who is excited to think outside the box while exploring data to come up with new ideas and recommendations.
Key Responsibilities:

  • Monitor portfolio performance and underwriting metrics to identify any inconsistencies or trends in the data
  • Establish performance metrics, and develop automated reporting dashboards using SQL and Python
  • Conduct analysis using advanced data analytics to evaluate trends in portfolio performance and provide underwriting strategy recommendations to optimize portfolio risk based on company targets
  • Support underwriting by having an understanding of the rules for different customer segments and products
  • Work with cross-functional teams to explore new ways of finding insights from data, identify patterns and trends, and make recommendations to senior management in a clear and effective manner
  • Collaborate with cross-functional teams to implement underwriting strategy changes, monitor releases, and perform impact analysis
  • Design A/B testing strategies for underwriting experiments, evaluate impact and provide recommendations
  • Provide knowledge, insight, and guidance of third party data providers (credit bureaus, fraud vendors, etc.) such as product information, advantages and limitations
  • Communicate concise and actionable business strategies to senior management
    • Bachelor's degree in a quantitative discipline required (e.g., math, statistics, analytics, quantitative finance, engineering, or other quantitative fields)
    • 2+ years of experience with data analytics in Credit Risk (preferred), Fraud Risk, Marketing Analytics or related field
    • Established experience with relational databases and SQL
    • Programming experience with Python
    • Strong quantitative and problem-solving skills with key attention to detail
    • Experience supporting and working with cross-functional teams in a dynamic environment
    • Ability to work effectively while managing multiple projects with tight deadlines, understand project requirements with minimal guidance, follow through to completion
      Additional Pluses, but Not Requirements:
      • Advanced degree in quantitative discipline (e.g., math, statistics, analytics, quantitative finance, engineering, or other quantitative fields)
      • Experience working with specialty finance or FinTech

        • Competitive salary and benefits package
        • Flexible, remote work
        • Fun, fast-paced work environment
        • Dynamic start-up culture
        • Ability to make an immediate impact in a growth stage company
        • Convenient downtown Chicago office located in the heart of the city
        • Equal opportunity employer

Keywords: NinjaHoldings, Chicago , Sr. Analyst, Credit Risk Analytics, Professions , Chicago, Illinois

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