Senior Credit Risk Analyst

Block is one company built from many blocks, all united by the same purpose of economic empowerment. The blocks that form our foundational teams — People, Finance, Counsel, Hardware, Information Security, Platform Infrastructure Engineering, and more — provide support and guidance at the corporate level. They work across business groups and around the globe, spanning time zones and disciplines to develop inclusive People policies, forecast finances, give legal counsel, safeguard systems, nurture new initiatives, and more. Every challenge creates possibilities, and we need different perspectives to see them all. Bring yours to Block.

The Role

We're seeking a Senior Credit Risk Analyst to join our Enterprise Risk Management team. This role sits at the intersection of credit risk analytics, data science, and strategic risk management. You'll leverage advanced querying, AI-assisted analytics, and predictive portfolio performance monitoring, identify emerging credit trends, and develop forward-looking risk indicators that inform our risk appetite and underwriting strategies.

You'll work directly with senior leadership and support credit risk strategy at a fast-growing fintech bank. If you're passionate about credit risk, love working with data, and want to use cutting-edge AI tools to solve complex problems, this is the role for you.

You Will

• Monitor credit performance across consumer and commercial portfolios
• Build and maintain credit risk dashboards that provide real-time visibility into portfolio health for senior management and the Board
• Analyze early warning signals (7-day delinquency, payment behavior changes, credit utilization patterns) to predict portfolio stress before it materializes in losses
• Track key credit risk indicators (KRIs) defined in the Bank's Risk Appetite Statement, including delinquency rates, charge-off metrics, risk grade distributions, and concentration limits
• Prepare monthly/quarterly credit risk reports for the management and board committees
• Lead or challenge credit risk assessments for new products, partnerships, underwriting policy changes, and portfolio expansion initiatives
• Partner with Credit, Underwriting, and Product teams to implement corrective actions and prevent recurrence
• Support regulatory examinations by preparing credit risk documentation, responding to examiner requests, and presenting portfolio performance

You Have

• Bachelor's degree preferably in a business or quantitative field
• 5+ years of prior credit risk experience in a bank / financial services organization
• Experience with regulatory requirements and guidelines
• Experience in BI tools, creating dashboards and reports for senior management review
• Strong interpersonal, analytical, verbal and written communication skills

Technologies We Use and Teach

• Looker Dashboards
• Snowflake querying
• Claude or AI skills

We're working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances. We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we're doing to build a workplace that is fair and square? Check out our I+D page.