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Credit Risk Analyst (Remote/Hybrid)

Company: Ascent Funding
Location: San Diego
Posted on: May 15, 2022

Job Description:

Job DescriptionJob Title: Credit Risk Analyst Location: San Diego Hybrid / RemoteAscent Funding, LLC (Ascent) is a student success company on a mission to revolutionize the way students plan and pay for higher education by offering better financing options, student-driven innovation (co-created with students), and financial wellness resources to encourage more informed decisions today that open up brighter future opportunities. We aim to fix a broken higher education system by being transparent and offering products that support a greater population of students through our Ascent College (cosigned and non-cosigned student loans for college and graduate school) and Bootcamp (consumer loans for technical bootcamps and accelerated skills training programs) financing options. We believe education is an investment in your future, and we want to empower students of all economic backgrounds and disciplines to maximize the return on that investment. Ascent offers exclusive benefits (such as 1% cash back, scholarships, Refer A Friend, and Rewards Program) as well as free resources that set students and families up for financial success.Ascent was named "Best Places to Work" by the San Diego Business Journal for six years and named "San Diego's Best & Brightest Companies to Work For in 2022." Furthermore, Ascent was named Best Private Student Loan for 2021 by Forbes Advisor and NerdWallet. This job description outlines the objective, primary responsibilities, requirements, and qualifications of the Ascent Credit Risk Analyst.Objective: The Credit Risk Analyst will analyze loan performance data to provide meaningful credit and business insights through presentation and dashboard building. This is a key role that collaborates across departments to analyze portfolio risk and product performance. We are looking to extend our Corportae Strategy team with resources from several levels of experience. We will find the right role based on your background.Our ideal candidate would:

  • Be responsible for the risk analytics of our various lending products
  • Assist with the development of credit policies for new lending products and continuously iterate to improve credit product approval criteria, line assignment and pricing strategies including renewals
  • Collaborate with various data teams to build data infrastructure and establish reporting dashboards that will help senior management understand credit risk trends and exposures
  • Leverage external and internal data to build credit models and policies in partnership with our Data Science team
  • Work with cross functional teams across the company to measure the impact of lending products on their businesses and also help them out on their analytical needs
  • Build and maintain scalable reporting from the ground-up using Python/SQL/Excel/Tableau
  • Actively maintain and report on key performance indicators
  • Presents findings and analysis to an executive audience Desired Skills & Expertise:
    • Bachelor's Degree required in Finance, Economics, Engineering, Statistics, Applied Mathematics, or another quantitative field.
    • 2+ years of experience required as Business Analyst, Data Analyst or Credit Risk Analyst
    • Experience working with relational databases and SQL query authoring
    • Enjoy working in cross-functional teams and reporting up to senior management
    • Exceptional analytic and strategic thinking skills related to working with structured and unstructured data sets
    • Experience with:
    • Consumer Lending
    • Credit Risk
    • Loan Portfolio Monitoring
    • Accessing and building complex data setsBonus points if you have:
      • Past consumer finance experience and / or banking experience
      • Experience in credit risk; underwriting and ongoing risk management
      • MBA or master's degree in a quantitative fieldCompetitive pay with bonus and benefits package that includes, but is not limited to:
        • Annual Bonus + Company Stock Options
        • Medical, dental, and vision coverage
        • Annual HSA contribution of $1,500
        • Life insurance, disability and 401(k) with company match
        • Free snacks and drinks (when we are in the office)
        • Tuition reimbursement program
        • Flexible schedule and work-from-home options
        • Home office stipend and technology allowance
        • Generous PTO, including Paid Parental Leave
        • $2000 Vacation Incentive Bonus every 3 years + $1000 Sabbatical Day
        • Company parties, summer BBQs, virtual events
        • Team building activities
        • Community, Parking, Wellness funds, and moreThe Job Description is intended to be a general representation of the responsibilities and requirements of the job. However, the description may not be all-inclusive, and responsibilities and requirements are subject to change.Equal Employment OpportunityIt is the policy of the Company to provide equal employment opportunities to all employees and employment applicants without regard to unlawful considerations of race, religion, color, national origin, sex, sexual orientation, gender identity or expression, age, sensory, physical, or mental disability, marital status, veteran or military status, genetic information, or any other classification protected by applicable local, state, or federal laws. This policy applies to all aspects of employment, including, but not limited to, hiring, job assignment, compensation, promotion, benefits, training, discipline, and termination. Reasonable accommodation is available for qualified individuals with disabilities, upon request.Powered by JazzHRmEsq2nCr5U

Keywords: Ascent Funding, San Diego , Credit Risk Analyst (Remote/Hybrid), Professions , San Diego, California

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