Senior Credit And Collections Analyst Jobs

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. About Enterprise Risk & Internal Audit The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth. About the Team We're looking for a sharp, driven quantitative professional to join our dynamic Model Risk Management (MRM) team. In this role, you will oversee the underwriting and credit risk validation sector - the most critical pillar of Affirm’s MRM framework. This is a unique position designed for a seasoned technical leader who can build, mentor, and manage a high-performing team while remaining deeply hands-on, personally executing validations of our most complex machine learning models. You'll collaborate across the company to shape a best-in-class risk framework, ensuring our models are robust, reliable, and ready for the future. If you're passionate about the intersection of finance, credit risk, and data science, this role is for you. What You'll Do: Sector Leadership & Team Management: Oversee the underwriting and credit risk validation sector. Lead, mentor, and manage a team of talented quantitative professionals while setting the strategic direction for this critical risk domain. Hands-On Model Validation: Execute rigorous, independent validations of sophisticated machine learning models across underwriting and credit risk management. Technical Review: Evaluate conceptual soundness, data integrity, and performance stability through comprehensive testing, in-depth reviews, and continuous

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. About Enterprise Risk & Internal Audit The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth. About the Team We're looking for a sharp, driven quantitative professional to join our dynamic Model Risk Management (MRM) team. In this role, you will oversee the underwriting and credit risk validation sector - the most critical pillar of Affirm’s MRM framework. This is a unique position designed for a seasoned technical leader who can build, mentor, and manage a high-performing team while remaining deeply hands-on, personally executing validations of our most complex machine learning models. You'll collaborate across the company to shape a best-in-class risk framework, ensuring our models are robust, reliable, and ready for the future. If you're passionate about the intersection of finance, credit risk, and data science, this role is for you. What You'll Do: Sector Leadership & Team Management: Oversee the underwriting and credit risk validation sector. Lead, mentor, and manage a team of talented quantitative professionals while setting the strategic direction for this critical risk domain. Hands-On Model Validation: Execute rigorous, independent validations of sophisticated machine learning models across underwriting and credit risk management. Technical Review: Evaluate conceptual soundness, data integrity, and performance stability through comprehensive testing, in-depth reviews, and continuous

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 Technologies Inc. is seeking a skilled and experienced Senior Staff Credit Risk Analyst to join our dynamic team. As a key contributor, you will play a crucial role in the development and execution of industry best Credit Risk Management. The incumbent will improve comprehensive risk management capabilities for a rapidly growing bank holding company – ensuring robust defensive and offensive analytical capabilities – The contributor will play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line function across Credit Risk. The Credit Risk Oversight (2LOD) Senior Staff Credit Risk Analyst role is critical to success across SoFi Technologies, Inc., SoFi Bank, NA, and operating subsidiaries. The incumbent will contribute to the second-line oversight of credit risk across al

🚀 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, Ireland | 💰 €92,000 - €116,000, Incentive Awards tied to your performance ➕ benefits | Hear from the team ✨ ⭐ Our Risk team We are looking for an Operational, Technology and Information Security Risk Senior Manager in the second line of defence to provide independent oversight, challenge and advisory support on the effectiveness of our operational, technology, resilience and information security risk management practices across the EU. You will be a key member of the second line risk management team and work closely with senior stakeholders across first line technology, information security and operational resilience, to ensure risks are proactively identified, assessed, monitored, and managed in line with Monzo's risk management framework and appetite. This role requires a proactive and strategic mindset, strong technology risk management expertise, and a deep understanding of operational resilience and digital banking operations. This role reports to the Director of Operational Risk, Monzo Europe. The role you are applying for is a Controlled Function within the meaning of the Central Bank Reform Act, 2010.

About Clutch We’re on a mission to reinvent how people buy, sell, and own cars. Are you game? Clutch is Canada’s largest buyer and seller of cars, offering a digital-first, hassle-free experience. Customers can browse thousands of cars online, have their chosen vehicle delivered right to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee. Looking to sell? We buy over $3 million worth of cars every day, providing a firm, AI-generated offer every 15 seconds—and when you sell to us, you get paid instantly, now that’s Clutch. Recognized four years running on The Globe & Mail’s list of Canada’s Top Growing Companies—and with back-to-back spots on Deloitte’s Technology Fast 50™ and Fast 500™ —we’re seeking curious, hard-working, and driven individuals to join our growing team. Founded in 2017 and headquartered in Toronto, Clutch currently operates in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our world-class investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. To learn more, visit clutch.ca . Consumer Financing at Clutch: Clutch is on a journey to create a truly seamless car buying and ownership experience—and financing is a critical part of delivering that end-to-end journey. We’re building consumer financing capability from the ground up to offer customers a simpler, more transparent way to finance their vehicle, while supporting Clutch’s growth with a scalable, disciplined lending platform. In this role, you’ll help shape our lending strategy, risk framework, and operations as we bring this business to life. About the role: We’re hiring a Senior Manager, Credit & Risk to build and lead the credit strategy and risk framework for Clutch’s consumer financing program. You’ll own how we assess risk, make credit decisions, price appropriately, and manage portfolio performance over time. This is a builder role for someone who’s comfortable operating with ambiguity, rolling up their sleeves, and designi

🚀 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/Cardiff/UK Remote | 💰circa £110,000 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨ We’re looking for a Senior Legal Counsel to join our team at Monzo to support our payments business including digital assets and emerging payment technologies. You will report to Monzo’s Director of Legal for Payments & Business Banking, be part of the Legal and Board Governance Collective, and act as a legal business partner for the teams working on these initiatives. This role sits at the intersection of payments, digital assets and emerging payments technologies. You’ll help teams navigate a rapidly evolving legal and regulatory landscape, helping Monzo innovate responsibly while protecting our customers. You’ll work at all levels in the organisation and with a wide-range of stakeholders from Product Managers and Designers, to Operations professionals and Software Engineers, and Risk, FinCrime and Compliance professionals. While payments, digital assets and emerging financial technologies will be your primary focus, more broadly, you will also have opportunities to work within a team of

Join Us in Making an Impact ✨ At OneAZ Credit Union, our success is measured only by yours. We’re here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters—you've found it! Who You Are 🧩 You’re impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let’s build something great together. What You’ll Do 🚀 📍This position will be located at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027 The Senior Commercial Loan Underwriter is responsible for underwriting, structuring, and monitoring complex commercial credit relationships across a variety of commercial lending products, including commercial real estate, term loans, lines of credit, participation loans, and government-guaranteed lending programs. This position evaluates credit risk, analyzes financial information, determines appropriate loan structures, and prepares credit recommendations to support sound lending decisions and the overall strength of the commercial loan portfolio. The Senior Commercial Loan Underwriter serves as a senior resource for commercial lending teams by providing expertise, guidance, training, and quality feedback to underwriters and credit analysts. This role promotes consistent underwriting practices, supports portfolio monitoring efforts, and ensures adherence to Credit Union policies, procedures, regulatory requirements, and sound lending practices. Essential Functions Underwrites and analyzes complex commercial credit relationships, including commercial real estate, commercial and industrial loans, term loans, lines of credit, participation loans, SBA loans, and other commercial lending products. Partners directly with Comm

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: We are seeking an experienced Senior Manager, Secured Commercial Real Estate Lending to help lead SoFi Bank’s secured commercial real estate lending function. This role will oversee complex workflows across the commercial lending lifecycle, including origination, underwriting, credit administration, portfolio management, servicing coordination, and ongoing portfolio monitoring. This leader will be responsible for driving day-to-day execution, operational planning, resourcing, KPIs, KRIs, credit strategy implementation, portfolio discipline, and risk monitoring for the secured commercial real estate lending unit. The Senior Manager will partner closely with Credit, Risk, Operations, Finance, Legal, Compliance, Servicing, and senior leadership to ensure the function operates with strong governance, sound credit judgment, scalable processes, and clear accountability. The ideal candidate is a seasoned commercial lending and credit leader with deep expertise in secured commercial real estate lending, strong problem-solving skills, and experience leading complex workflows across teams or business environments. What you’ll do: Lead complex commercial lending workflows Lead key workflows across the secured commercial real estate lending lifecycle, including originations, underwriting, credit administratio

A BOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: Tide is available for UK, Indian, German and French SMEs Over 2 million members globally and rapidly growing Over $300 million raised in funding 3,000 Tideans globally Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM: The Financial Reporting & Control team is responsible for the preparation of Tide’s key financial reports, as well as implementing and monitoring controls to safeguard the Group’s financial integrity. The team plays a critical role in ensuring the financial data is accurate and complete, compliant with regulations and presented clearly to internal and external stakeholders. ABOUT THE ROLE: As our Senior Financial Controller you’ll report to the Lead Financial Controller and be responsible for our credit products and areas of credit risk at Tide. It’s exciting times here at Tide, we are scaling and developing our product offering at a phenomenal rate! As Senior Financial Controller you w

Who we are At Twilio, we’re shaping the future of communications, all from the comfort of our homes. We deliver innovative solutions to hundreds of thousands of businesses and empower millions of developers worldwide to craft personalized customer experiences. Our dedication to remote-first work , and strong culture of connection and global inclusion means that no matter your location, you’re part of a vibrant team with diverse experiences making a global impact each day. As we continue to revolutionize how the world interacts, we’re acquiring new skills and experiences that make work feel truly rewarding. Your career at Twilio is in your hands. . Hiring and how we work We use Artificial Intelligence (AI) to help make our hiring process efficient. That said, every hiring decision is made by real Twilions! Also, while we are a remote-first company, you may be asked to report in person on an ad-hoc basis for team gatherings, functional off-sites or customer meetings. . See yourself at Twilio Join the team as Twilio’s next Senior Manager, Accounts Payable About the job This position is needed as Twilio continues to grow rapidly. As the Senior Manager, Accounts Payable, you will oversee Twilio’s global Accounts Payable function, leading operational execution and process excellence across vendor disbursements, expense management, and AP support. Reporting directly to the Senior Director of International Accounting, you will play a critical role in scaling our finance operations, driving automation, ensuring compliance, and supporting both organic and inorganic growth. Responsibilities In this role, you’ll: Lead the daily operations of global Accounts Payable, vendor disbursements, expense management, and credit card reconciliations. Manage and mentor a high performing AP team, setting clear KPIs, performance benchmarks, and professional development plans. Oversee month-end close activities for AP, including sub-ledger to GL reconciliat

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 Novo Small businesses are the backbone of the US economy - nearly half of GDP and the private workforce, yet big banks don't give owners the access, assistance, or modern tools they need to grow. We started Novo to change that. Our mission is to increase the GDP of the modern entrepreneur by building the go-to banking platform for small businesses. Novo is a fintech, not a bank. We give entrepreneurs, freelancers, and SMBs an operating system for their money: no-fee business checking, debit and credit cards, loans and funding, payments across every rail (ACH, wires, FedNow), invoicing, bill pay, expense management, and integrations with the tools they already run their business on. We've helped hundreds of thousands of businesses get powerfully simple banking, and we're just getting started. Why Novo? A mission-driven team building for the people big banks pretend don't exist Real ownership: we make decisions that affect real businesses every day, and we trust people to act on that A flat culture where ideas win on merit; hierarchy is not authority Modern stack, modern tooling, and a team that takes AI seriously as part of how we work Competitive salary and other benefits for every full-time employee Offices in NYC and India Role Summary: We are looking for a Senior KYC Analyst who understands how to ensure that our platform can continue operating in an efficient manner while minimizing downside losses and reducing friction in the onboarding process. If you're passionate about working for a revolutionary early-stage startup, poised for rapid growth and expansion then we want to chat. Are you ready to revolutionize the small business banking industry with us? About the Role: Understand and manage KYC and AML processes Support the origination and in-life management of deposits by handling the Customer/Enhanced Due Diligence during on-boarding and in-life periodic reviews. Process all applications through a workflow system effectively, within agreed SLAs and goal

🚀 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 ❤️ Senior Financial Control Analyst 📍London/Cardiff | 💰£56,000 - £75,000 + Incentive Awards tied to your performance + Benefits ⭐ Our Financial Control Team: Monzo is growing fast - new products, new markets and new locations. As we expand we need to make sure we can support our businesses and control our processes, so we are growing our team to meet these exciting new challenges! Our team sits within Monzo’s Finance collective and our job is getting the numbers right. We’re currently a team of seven qualified accountants, split between our Cardiff and London offices, and we ensure the ledger’s correct at every month-end. We work closely with all areas of Finance and the product teams to make that happen. 🔑 You’ll play a key role by… We're looking for a proactive, enthusiastic and commercially-minded accountant to work on our financial accounting, and help us build a world-class finance function. This role would be well suited to a qualified accountant with 2+ years of post-qualification experience. We have some really exciting challenges under way like making sure we maximise our new SAP S4/HANA general ledger, expanding int

🚀 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/Distrubuted across the UK | 💰£56,000 - £75,000 (depending on experience) ➕ Incentive Awards tied to your performance | Benefits | Hear from the team ✨ ⭐ Our Finance team We're looking for a highly proactive, enthusiastic and commercially-minded Financial Reporting Senior Analyst to join our Financial Reporting team, and help us build a world-class finance function. We have some really exciting challenges coming up, like expanding into the European Union, introducing Monzo Mobile and Habito to our group, climate change reporting, continuing to grow our customer base, expanding our lending business, and adding to our marketplace. You’ll work on scaling Monzo in a controlled way while helping us optimize our financial reporting processes with the help of technology. You’ll join the Finance team and report to our Financial Reporting Manager. 🔑 You’ll play a key role by... Supporting the full year end process, from drafting the annual report to working with external auditors until final sign-off. Supporting tight processes with our internal finance team to ensure a swift month-end close process. Understanding the business an

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. Affirm is building the next generation of consumer finance, and the Affirm Card sits at the center of that vision—blending debit, pay-over-time, and network-native experiences into a single product. We’re looking for a Senior Director of Product to lead the Affirm Card and Card Platform—owning both the end-user experience, the business outcomes of every card product, and the underlying platform that powers card issuance, authorization, servicing, and partner integrations. This is a pillar-level leadership role responsible for defining strategy, building a high-performing team, and delivering durable business outcomes across one of Affirm’s most strategic product areas. What you’ll do Own the Card domain end-to-end Define and drive the multi-year vision for Affirm Card across consumer experience, growth, and economics, inclusive of new card products that complement the one we have in market today. Lead the US direct to consumer card products (Affirm Cards, and in app virtual cards) Oversee our Card Platform (authorization, ledgering, servicing, controls) which powers the D2C products both domestically and internationally, along with a number of merchant and partner integrations. Translate company strategy into a coherent roadmap spanning multiple teams and systems Build and scale a high-performing product organization Manage and develop a team of PMs and PM leaders Establish product standards, operating cadence, and decision frameworks Build a durable org that delivers high-quality outcomes without direct involvement in every decision Drive business outcomes at scale Own GMV, engagement, unit economics, and credit outcomes for the Card domain Shape investment strategy, tradeoffs, and resource allocation across multiple product areas Partner with Finance and Credit to optimize pro