Credit Risk Manager/Senior Analyst

Thrive Financial • Full Time

Posted on Fri, Jun 5, 2026

At Thrive Financial, Credit Risk Managers/Analysts have the opportunity to shape business outcomes through actionable, data-driven insights as the company is in high growth mode. This role is for someone who is able to apply analytics in an environment of ambiguity and incomplete ownership and loves working cross functionally. You are a data nerd who is passionate about leveraging AI and automation for analytics, a relationship builder, and you know how to weigh risk against opportunity. This role will be foundational in continuing to optimize the Thrive credit policy.

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

At Thrive, our best teammates embody GRIT: Get things done You are self-directed, proactive, and biased toward action. You don’t wait for perfect conditions to move forward. Respect each other You lead with humility and empathy — whether working with contractors, teammates, or leadership. Intellectual curiosity You ask thoughtful questions, seek context, and enjoy learning new industries, products, and customer needs in order to make practical, informed decisions. Teamwork You believe the best results come from shared ownership, open communication, and learning together. As a Credit Risk Manager/Senior Analyst, you also bring: Trustworthiness You prioritize long-term relationships, follow through on commitments, and ensure alignment across stakeholders. Collaboration You actively invite diverse perspectives and use them to arrive at better solutions — for customers and for the business. Stewardship You approach your work with a servant mindset, focused on supporting contractors, teammates, and the broader mission of responsible financial access. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

View the interactive listing →