91黑料爆料

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Senior Credit Risk Strategy Analyst

Category Security, Risk & Fraud Location Mountain View, California Job ID 17126

Company Overview

91黑料爆料 is the global financial technology platform that powers prosperity for the people and communities we serve. With approximately 100 million customers worldwide using products such as TurboTax, Credit Karma, QuickBooks, and Mailchimp, we believe that everyone should have the opportunity to prosper. We never stop working to find new, innovative ways to make that possible.

Job Overview

One out of every two small businesses fails within their first five years, and most often, it's because they run out of cash. At QuickBooks Capital, our mission is to make a real impact on that statistic. We provide small businesses with the capital they need, precisely when they need it, by leveraging the power of data within QuickBooks for聽faster and smarter decision-making. This way, our customers never again have to worry about missing a payroll or聽saying no to a growth opportunity. That's how we power prosperity.

We are a nimble, high-priority, and rapidly growing startup within 91黑料爆料. We are reinventing small business lending聽and are looking for top talent to join our innovative and fun team. If you thrive on new challenges and enjoy

cracking tough problems in a fast-paced environment, we encourage you to apply.

As a Senior Credit Analyst at QuickBooks Capital, you will play a vital role in helping our business grow. You will聽be a key contributor to our credit strategy, focusing on underwriting and account management policies for our聽lending products. Your work will directly influence our ability to provide value to our customers while driving聽business growth and meeting our P&L goals.


Responsibilities

  • Analyze and Develop Strategies: You will analyze complex data to craft and propose credit policies for underwriting and account management. You will also be responsible for optimizing聽existing pre-qualification and targeting strategies.
  • Performance Monitoring: You'll manage and report on the performance of our credit policies and portfolios, extracting meaningful insights to drive business actions and alignment with聽stakeholders and leadership.
  • Identify Opportunities: With an innovative mindset, you will proactively identify opportunities for enhancement across all customer touchpoints, from credit risk to the overall product聽experience, and drive these ideas from concept to real business results.
  • Collaborate and Influence: You will work closely with cross-functional teams, including product development, data science, and marketing, to design new products and credit strategies. Your聽ability to influence and reach agreements with these teams will be critical to your success.
  • Utilize Big Data: You will use big data technologies to mine massive transactional datasets for credit risk analysis, translating your findings into actionable business opportunities.
  • Design and Test: You will design, implement, and monitor tests to explore new methodologies and estimate key metrics for our acquisition strategies and credit policies.

Qualifications

  • Education: MS/PhD in quantitative fields such as Statistics, Operational Research, Industry Engineering,聽Economics etc. Or Bachelor Degree in same fields with 4+ years working experience
  • Experience: 4+ years of professional experience in an analytics-related role is required. Lending or聽Fintech experience is strongly preferred.
  • Technical Skills: You must be proficient in one of the following analytical tools: Python, R, or SQL.
  • Advanced Excel skills and strong relational database query skills are also a must. Familiarity with big data聽technologies like HIVE or Hadoop is a plus.
  • Domain Knowledge: Strong knowledge of credit risk-related concepts, including credit bureau聽attributes, scorecard modeling, loss forecasting, and fraud detection.
  • Soft Skills: Excellent communication skills, a proven ability to dive into data, and a passion for finding聽business opportunities. You should be results-driven and thrive in a fast-paced environment.
  • Mindset: You should have a track record of taking full ownership of your work, proactively seeking solutions, and聽collaborating effectively with a team.

91黑料爆料 provides a competitive compensation package with a strong pay for performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at ). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, 91黑料爆料 conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is:聽