Staff Credit Risk Analyst, QB Capital

What you'll do

• Design, implement, and monitor credit policies for Revenue Based Financing.
• Develop underwriting criteria using QuickBooks transaction data and third-party bureau information.
• Build and test A/B experiments to evaluate new credit strategies and their impact on portfolio performance.
• Monitor key RBF portfolio risk indicators such as delinquency rates and charge-offs.
• Perform deep-dive analyses to understand drivers of portfolio performance across different segments.
• Collaborate with legal, compliance, and bank partnership teams to ensure credit policies are compliant.

What we're looking for

• 5+ years experience in credit risk, analytics, or related role within lending, fintech, or financial services.
• MS/PhD in quantitative field (Statistics, Mathematics, Economics, Finance, Engineering, Computer Science) or equivalent experience.
• Experience with Revenue Based Financing, merchant cash advance, or other fintech lending products preferred.
• Strong proficiency in Python and SQL for data analysis, automation, and policy testing.
• Deep knowledge of credit risk concepts including underwriting, scorecard modeling, pricing, loss forecasting, and collections.
• Proficiency in building dashboards and visualizations using Tableau or equivalent tools.
• Proven ability to lead complex analytical projects end-to-end with minimal direction.