Credit Risk Manager/Senior Analyst

Have three or more years working in a lending analytics roles with at least two years spent working in a risk environment where the consumer credit risk isn’t the whole story

Have earned increased responsibility or promotions through performance, not tenure

Have worked in an early-stage company (or equivalent environment) where structure was minimal and initiative mattered, or can clearly demonstrate that you’ve succeeded without heavy process or support

Are comfortable wearing multiple hats today, with an eye toward building and leading a team in the future

You are a SQL and/or Python wizard

Are passionate about leveraging AI and automation to build lean and scalable risk analytics programs

You are hands-on by default - excited to dive into consumer data, solve real problems, and deliver tangible value

You naturally look for patterns and gaps, and feel compelled to create structure where none exists

You balance empathy and accountability, building trust while driving outcomes

You are energized by growth (both personal and organizational) and want to level up into people leadership over time

Build out analytics and procedures to monitor credit performance and uncover opportunities to protect Thrive’s bottom line 

Produce reporting and dashboards that effectively communicate credit risk trends to a variety of stakeholders

Monitor and enhance credit underwriting models 

Update loss forecasting estimates and analyze portfolio profitability

Identify improvements for more efficient customer underwriting to reduce friction while maintaining decision integrity 

Leverage automation and AI to drive more insights with less overhead

High-impact opportunity to shape risk strategy at an early stage - you are here to take us from 10 to 100 

Path to expanded scope and people leadership as the company scales

Mission-driven fintech focused on enabling responsible, accessible financing

Fully remote, highly collaborative environment with room to grow