Credit Risk Manager/Senior Analyst

You have the right background if you

• 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

How you approach the role

• 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

What You Will Do

• 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

Why This Role

• 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