Senior Credit Analyst, Consumer Lending

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Scottsdale, AZ, Troy, MI, Franklin, TN, Dallas, TX

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role:

This role presents an excellent opportunity to work on a collection of lending products including personal loans, lines of credit as well as developing new product offerings. In this role, you will be self-driven and passionate about lending economics and partner externally and internally to ensure success.

What You Will Do:

• Manage, document and create credit risk policy for consumer lending portfolio.
• Monitor and evaluate performance of loan portfolio by utilizing various statistical and analytical techniques, tools, and benchmarking to proactively identify risks and opportunities.
• Develop underwriting strategies to maximize profitability while remaining within the bank’s risk appetite.
• Analyze opportunities for new product opportunities and provide analytical support for prioritization decisions and ultimately the growth strategy for the company.
• Partner with the Legal, Compliance and Credit Governance team to ensure all strategies and policies are accurately documented and comply with all applicable regulatory requirements.
• Collaborate with vendors and technology teams to ensure new strategies and models are implemented accurately and as designed.
• Conduct other ad hoc analyses as required to support the Credit Team's goals.

What You Will Need:

• Bachelor’s degree in Statistics, Math, Economics, Finance, or equivalent experience
• 5-7 years of experience in credit risk management, preferably in the consumer credit industry
• Strong analytical and problem-solving skills, combined with solid business acumen
• Exceptional written and communication skills, and ability to explain complex insights to a range of audiences
• Self-driven, with intense focus on results
• Strong team player and comfortable interacting with partners across areas and at varying levels of seniority
• Strong technical skills such as SAS, SQL, R/Python, and ability to independently access and analyze relational data sets
• Knowledge and experience with statistical analysis techniques, customer segmentation and credit bureau data.
• Experience with automated decision engine software, including strategy and custom scorecard implementations.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $69,098.54 – $127,614.10

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

Don’t have everything listed under qualifications? Studies have shown that women and people of color are less likely to apply to jobs unless they meet every single condition. At Pathward, we are dedicated to building a diverse and inclusive culture of belonging, so if you’re excited about this role but your experiences don’t match exactly to everything in the posting we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles.

Who we are:

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We are committed to providing equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender (including pregnancy), sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, amnesty, status as a covered veteran, or any other class protected by federal, state and local laws.

Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – [email protected]

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Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.