Credit Risk Analytics - Director at NinjaHoldings

NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our EDGE brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance.

Job Summary

NinjaHoldings is looking for an analytics leader to join our Risk & Analytics team. In this role, the hire will develop risk strategies and policies for consumer lending products, lead data driven initiatives to optimize portfolio performance, work with business units and senior management, and monitor key performance indicators (KPIs). This is an exciting opportunity for a self-starter who can think outside the box while exploring data to come up with new ideas and recommendations.

Key Responsibilities:

• Develop and own credit risk strategy for a lending portfolio and continuously iterate to improve approval criteria, credit limit assignment strategies and portfolio performance
• Establish performance metrics, develop automated reporting dashboards using SQL and Python to monitor portfolio performance
• Hire, train and manage a team of risk analysts to build mature credit risk management practices, with a focus on quality and scalability
• Conduct analysis using advanced data analytics to evaluate trends in portfolio performance and provide recommendations to optimize portfolio risk based on company targets
• Work with cross-functional teams to explore new ways of finding insights from data, identify patterns and trends, and make recommendations to senior leadership
• Design A/B testing strategies for underwriting experiments, evaluate impact and provide recommendations
• Work with external vendors to prioritize and manage product evaluation and data studies
• Regularly work with senior leadership (C-Suite) team members to manage expectations around delivery and present solutions

Requirements:

• Bachelor's degree in a quantitative discipline required (e.g., math, statistics, analytics, quantitative finance, engineering, or other quantitative fields)
• 10+ years of experience with data analytics in Credit Risk, supporting risk strategies for consumer lending products
• Hands-on, detail-oriented leader with 6+ years of experience in leading a team of analysts
• Proven track record of developing and implementing effective risk management strategies
• Established experience with relational databases and SQL
• Programming experience with Python
• Strong quantitative and problem-solving skills with key attention to detail
• Experience supporting and working with cross-functional teams in a dynamic environment
• Excellent communication skills and ability to interface with business units and senior leadership (C-suite) across the organization
• Ability to effectively manage multiple cross-functional projects with tight deadlines

Additional Pluses, but not requirements:

• Advanced degree in a quantitative discipline (e.g., math, statistics, analytics, quantitative finance, engineering, or other quantitative fields)
• Experience working with specialty finance or FinTech

Benefits:

• Competitive salary and benefits package
• Flexible, remote work
• Fun, fast-paced work environment
• Dynamic start-up culture
• Convenient downtown Chicago office located in the heart of the city
• Equal opportunity employer

IMPORTANT NOTICE:
Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.