Credit Risk Analyst Commercial Underwriter Jobs

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role: This Senior Dialer Analyst role reports to the Senior Director, Collections and Recovery Business Planning, Project Management & Analytics (BP&A). The Senior Dialer Analyst is a key member of our team here at SoFi, responsible for supporting all of our outbound/inbound dialer operations for Personals Loans, Credit Cards, and Loan Origination Outreach . Overall, work will also include driving Dialer improvement efforts in efficiency, effectiveness, and productivity, including implementing initiatives across 1LOD Business Controls. What you'll do: Operational Management Help the team manage daily dialer operations, ensuring campaigns start on time, run efficiently, and meet intensity targets. Identify and resolve technical issues, collaborating with IT and Telephony teams to implement upgrades and patches. Monitor agent status in real-time to maximize productivity and reduce idle time. Analytics & Reporting Create and maintain dashboards to track MTD metrics and validate the effectiveness of calling strategies. Analyze dialer metrics to provide recommendations for improving efficiency and effectiveness. Risk & Compliance Ensure all dialing activities comply with FDCPA, Reg F, TCPA, and state laws. Partner with Risk stakeholders to establish control inventories, descriptio

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: SoFi is seeking a Financial Services Strategic Sourcing Analyst to support sourcing and procurement initiatives across our Financial Services businesses. This role will partner with teams across Home Loans,, Credit, Finance, Risk, Fraud, AML, Crypto, and other functions. You will manage and execute sourcing projects across a broad range of financial services categories, including RFPs, RFQs, contract renewals, net-new purchases, competitive benchmarking, supplier negotiations, and cost-saving initiatives. The ideal candidate is comfortable working in a complex, highly regulated environment and can build strong relationships with business stakeholders while ensuring procurement processes are followed. This role reports to the Head of Procurement and may support additional procurement projects and strategic initiatives as needed. What you’ll do: Strategic Sourcing and Category Management Manage sourcing projects from intake through supplier selection, negotiation, contracting, and implementation. Lead RFPs, RFQs, renewals, competitive bids, and net-new supplier engagements across Financial Services categories. Partner with stakeholders to understand business requirements, define sourcing strategies, develop evaluation criteria, and establish project timelines. Conduct market research, supplier

Join us in building the future of finance. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, keep reading. About the team + role We are building an elite team, applying frontier technologies to the world’s biggest financial problems. We’re looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn’t a place for complacency, it’s where ambitious people do the best work of their careers. We’re a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards. The Business Analyst team shapes the strategy, growth, and performance of Robinhood's credit products, delivering top-tier experiences for our users. As part of the broader Credit organization, we work closely with product, engineering, risk, and operations to unlock sustainable business growth through deep analytical rigor. Our team fosters a collaborative, ownership-driven culture where every analyst directly influences business strategy and product direction. As a Business Analyst, you'll be part of an 18-month rotational program, completing approximately five rotations across different areas of our Money and Growth org. Each rotation embeds you alongside product, engineering, risk, and operations teams — giving you direct exposure to the metrics, stakeholders, and strategic priorities that drive Robinhood's core business. You'll own real work from day one, build cross-functional fluency fast, and leave each rotation having made a measurable impact. This role is based in our Washington, D.C. office, with in-person attendance expected at least 3 days per week. At Robinhood, we believe in the power of in-person work to accelerate progress, spark innovation, and strengthen c

A Career with Point72’s Operations Team Point72’s Operations team supports all operational aspects of trade processing, reconciliation, financing, and reporting firmwide for all products, including equities, derivatives, bonds, foreign exchange and futures, and digital assets across global markets. The team provides opportunities to build deep operational expertise and broad exposure across the firm, supporting internal mobility and long-term career development. What you’ll do Confirm daily trade activity across macro and derivatives products, and help resolve exceptions in a timely manner Reconcile positions with prime brokers, futures commission merchants, and trading counterparties to support operational control Partner with portfolio managers (PMs), traders, counterparties, prime brokers, and futures commission merchants to resolve trade-related issues Manage trade support workflows across bonds, repos, interest rate swaps, loans, credit, foreign exchange, futures, options, and other over-the-counter derivatives Monitor foreign currency exposure and help reduce risk through foreign exchange transaction execution and support Respond to ad hoc questions from internal teams and external clients with accurate data and analysis Participate in onboarding new portfolio manager teams, including account setup, platform training, and third-party connectivity Identify opportunities to improve processes through automation, stronger controls, and greater efficiency Support Operations workflows for macro and derivatives trade activity What’s required Zero to two years of experience in a middle office operations function at a hedge fund, asset manager, bank, or similar financial institution Undergraduate degree in accounting, business, economics, mathematics, or a related field Knowledge of fixed income and derivatives products, including rates, credit, futures, foreign exchange, and OTC derivatives Strong problem-solving and analytical skills High attention to d

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. The Risk & Analytics team makes crucial decisions that direct Affirm’s business strategy. Our team designs and runs experiments to decide which product features to launch and which marketing campaigns to fund. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools and analytical frameworks. We take ownership of the entire analytical lifecycle, from initial question to final business decision, ensuring Affirm grows efficiently and intelligently. About the role The Collections & Recoveries Analyst will own and drive the collections and recoveries strategy for Affirm Canada, spanning the full post-delinquency lifecycle from early-stage digital and outbound collections through third-party recovery-agency placement and post-charge-off recoveries, partnering closely with Product and Compliance to ensure collections and recoveries practices meet Canadian federal and provincial consumer protection, collections, and privacy requirements. The analyst will be responsible for owning and driving the collections and recoveries roadmap for the market, quantifying the impact of new collections and recovery initiatives, and monitoring downstream performance. The ideal candidate will have a combination of strong analytical expertise with a deep understanding of consumer credit and collections behaviour, and the ability to improve recovery outcomes through data-driven insights, vendor management, and cross-functional stakeholder management. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience. What you’ll do You will own the full Canadian post-delinquency lifecycle: digital and outbound collections, thi

Join us in building the future of finance. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, keep reading. About the team + role We are building an elite team, applying frontier technologies to the world’s biggest financial problems. We’re looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn’t a place for complacency, it’s where ambitious people do the best work of their careers. We’re a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards. The compliance team supporting Robinhood’s credit card products and money transmitter (for Robinhood Credit, Inc., and Robinhood Money, LLC) is dedicated to ensuring robust regulatory compliance across all financial offerings. Our team's mission is to establish and maintain a strong compliance management system that supports compliant product growth and operational excellence. We partner closely with Product, Operations, Legal, and Risk to integrate regulatory requirements seamlessly into our financial platforms! Our team thrives on collaboration, proactive risk management, and a commitment to protecting our customers while supporting business goals. As Lead Compliance Analyst, you will play a critical role in ensuring that Robinhood embeds regulatory compliance for its current products, including the debit card, spending account, and credit cards, as well as future products. You will participate in multiple compliance functions to support the administration of our compliance management system. In this role, you will analyze regulatory changes, review marketing and customer disclosures, and provide clear compliance guidance to product teams. You will also collaborate w

About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business. Key Responsibilities: * Define and drive the product roadmap for merchant lending risk. * Build and scale rule engines (BRE), decision engines, and model orchestration layers. * Implement audit-ready decision logs and explainability layers. * Build robust policy versioning and experimentation infrastructure. * Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring. Requirements: * 5+ years of product management experience in the consumer or fintech industry. * Strong experience in unsecured merchant or SME lending preferred * Strong analytical and structured thinking ability. Why join us •A collaborative output driven program that brings cohesiveness across businesses through tech

About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business. Key Responsibilities: * Define and drive the product roadmap for merchant lending risk. * Build and scale rule engines (BRE), decision engines, and model orchestration layers. * Implement audit-ready decision logs and explainability layers. * Build robust policy versioning and experimentation infrastructure. * Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring. Requirements: * 5+ years of product management experience in the consumer or fintech industry. * Strong experience in unsecured merchant or SME lending preferred * Strong analytical and structured thinking ability. Why join us •A collaborative output driven program that brings cohesiveness across businesses through tech

Ready to do the most impactful work of your career? At Coinbase , we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase . As a Senior Software Engineer on the Risk Engineering team within the Consumer & Business group, you'll build and optimize the systems that detect and prevent fraud, manage credit and market risk, and protect millions of users from financial threats in real time at crypto-market scale. You'll provide technical leadership for end-to-end projects, drive architectural decisions that shape our risk detection and mitigation systems, and deliver complex features from inception through production. Your work directly reduces financial loss and keeps Coinbase users safe. What you'll do: Lead the design and delivery of complex risk platform features end-to-end, from architecture through implementation, deployment, and monitoring, with stringent requirements for correctness, performance, and reliability Drive architectural decisions that shape Coinbase's risk detection and mitigation systems, translating ambiguous business requirements into scalable working architectures that balance fraud prevention with user experience Partner cross-functionally with Data Science, ML, Risk Analysts, Product, and Compliance teams to build proactive systems (real-time decisioning engines, model-driven fraud detection) and reactive solutions (incident response tooling, compliance-driven risk controls) Build AI-native risk systems that leverage fleets of agents to automate complex detection a

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍Dublin | 💶 €93,500 - €114,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨ ⭐ About the team: Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. We’re looking for a Credit Risk Manager to help drive the credit and growth strategy for our consumer lending products as we grow our business in Ireland. Our credit teams are part of our Credit Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses. Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London or Remote (UK) | 💰£100,000 - £130,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing About the team: Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. With our Flex product we’re reinventing credit cards to give customers more visibility and control over their spending. With our Flex product, we’re reinventing credit cards to give customers more visibility and control over their spending. Flex portfolio management is currently in its infancy—meaning this role is a true "zero-to-one" blank canvas. Flex behaves differently from a standard credit card, so we are looking for a highly strategic Credit Risk Manager who can challenge legacy banking assumptions, think from first principles, and put the customer at the heart of our lifecycle strategies. You will lead an initial team of 3 credit analysts (with scope to grow the t

Join a pioneering team at the forefront of financial technology innovation. We are building a cutting-edge, agentic AI platform designed to revolutionize the end-to-end credit risk model development lifecycle. By leveraging the power of Large Language Models (LLMs) and intelligent workflows, we aim to augment our quantitative modelers, dramatically increasing their productivity, enhancing model governance, and accelerating the delivery of critical risk models. We are seeking a senior, hands-on technology leader to drive this transformation. In this role, you will partner directly with quantitative analysts and key stakeholders to shape the most impactful use cases and then lead a team of talented developers to design, build, and deploy the generative AI platform that brings this vision to life. Key Responsibilities Strategic Vision & Stakeholder Partnership: Collaborate closely with quantitative model developers, Model Risk Management (MRM), and business leaders to deeply understand their pain points and translate them into a technical vision and product roadmap. Identify, scope, and prioritize use cases for the agentic workflow platform, ensuring they deliver measurable value and align with strategic objectives. Serve as the primary technical liaison between the engineering team and its users, ensuring a tight feedback loop and continuous alignment. Platform Design & Hands-On Development: Lead the architectural design of a scalable, robust, and secure agentic AI platform, including core components for orchestration, knowledge retrieval (e.g. RAG), and tool integration. Engage in hands-on software development to build foundational components, create proofs-of-concept, and tackle the most complex technical challenges. Design and implement secure integrations with internal data sources, external APIs, and various LLMs, ensuring compliance

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team The Risk team helps maintain a healthy financial ecosystem for businesses around the world. Credit Operations conducts credit risk assessments, underwrites small and mid-sized users, and develops mitigation strategies that enable Stripe to take smart risks while supporting growth. The globally distributed team partners with stakeholders across regions to support new and existing users and products. What you’ll do As a Credit Operations Manager, you will lead and develop a team of credit operations analysts while setting a strategic vision for scalable, high-quality operations. You will help enable new and existing Stripe products by translating product strategies into operational capabilities and appropriate credit controls. In partnership with Credit Strategy, Product, Engineering, and Data Science, you will launch new programs and advance AI-enabled automation across Credit Operations. Responsibilities Lead, motivate, and develop a high-performing Credit Operations team by setting clear goals, providing regular coaching and feedback, and supporting professional growth Assess the team’s current and future capability needs and partner on hiring, workforce planning, and development strategies to close material gaps Set priorities for the team in alignment with Credit’s broader strategy and translate them into clear goals, work plans, and operating mechanisms Evolve Credit Operations’ systems, processes, and operating model to impro

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: The Quantitative Analytics Director is a strategic analytics leader responsible for transforming complex data into actionable business insights for senior executives and key stakeholders. This role emphasizes insight generation, decision support, and business impact while requiring strong fluency in quantitative methods, large-scale data analysis, and advanced analytical techniques. The Director will lead the development and implementation of analytical workflows that accelerate insight creation, improve analytical efficiency, and enhance decision-making. A critical responsibility of the role is ensuring these AI capabilities are developed, governed, and deployed in a controlled, transparent, and compliant manner. This position leads a team of analysts and data scientists and serves as a key partner across business, risk, technology, and analytics functions. Our Impact: Our team plays a critical role in helping Freddie Mac understand, anticipate, and manage credit risk across a dynamic mortgage market. By bringing together deep insights on how credit risk intersects with other aspects of our business, we provide timely insights that inform business decisions, strengthens governance, and supports the company’s mission. This is a role with opportunities to shape frameworks, influence cross-divisional outcomes, and engage with senior leaders on issues that matter to Credit Risk Management (CRM) as Freddie Mac balances credit risk and other scorecard items. Y

Citi's Asset Backed Securitization and Financing business is one of the most active and diversified structured finance platforms in the market, operating across a broad range of asset classes including auto, equipment, consumer, solar, with a focus on the esoteric products. The team sits within Citi's Spread Products Business group and works across the full securitization lifecycle — from new-issue structuring and deal analysis through to ongoing surveillance and performance monitoring. The business partners closely with originators, underwriters, and investors globally, leveraging deep analytical capability and market expertise to deliver best-in-class structured finance solutions at scale. We are looking for a Vice President/ Director to join the Financing and Securitization Analytics team in a structuring-focused role, where you will own the development and management of cashflow models across a large and varied ABS portfolio, support deal structuring workflows. This is a role for a structured finance professional who combines strong quantitative and modelling skills with the ability to work across deal teams, mentor analysts, and contribute to both the analytical and operational infrastructure of a high-performing business. Key Responsibilities Lead the structuring and execution of ABS transactions, including warehouse facilities and term securitizations, across Core (Auto, Personal Loan, Equipment) and Esoteric (Aviation, Data Center, Triple Net Lease) asset classes. Develop, maintain, and enhance detailed cash flow, collateral, and credit models using Excel, Intex, and related analytical tools. Conduct rigorous quantitative analysis, including bond math, scenario analysis, and stress testing, to assess deal economics, structural features, and credit risk. Coordinate execution with internal teams including credit risk, capital markets, syndicate, sales, trading, legal, and operations