[Remote] Director, Credit Risk Analytics

Note: The job is a remote job and is open to candidates in USA. Prosper Marketplace is hiring a Director, Credit Risk Analytics to oversee underwriting and portfolio credit strategies and credit quality and performance for its Credit Card business. The role develops and monitors data- and machine-learning-driven strategies to support account growth while managing credit losses, and collaborates across business functions and with investors.

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

Skills

• 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

Benefits

• Digital-first tools and an intentional culture to keep team members synced and supported, whether working from the San Francisco or Phoenix offices or fully remotely.
• A 401(k) with a 5% company match.
• Flexible time off.
• Paid parental leave.
• An annual wellness allowance.
• Comprehensive health coverage.
• Udemy access.
• Childcare assistance.
• Pet insurance.
• Additional savings through Beneplace.

Company Overview

Company H1B Sponsorship