[Hiring] Credit Risk Manager/Senior Analyst @Thrive Financial

Role Description

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.

Qualifications

• Three or more years working in lending analytics roles.
• At least two years spent working in a risk environment where consumer credit risk isn’t the whole story.
• Earned increased responsibility or promotions through performance, not tenure.
• Experience in an early-stage company (or equivalent environment) where structure was minimal and initiative mattered.
• Comfortable wearing multiple hats today, with an eye toward building and leading a team in the future.
• Proficient in SQL and/or Python.
• Passionate about leveraging AI and automation to build lean and scalable risk analytics programs.

Requirements

• Hands-on approach to dive into consumer data, solve real problems, and deliver tangible value.
• Ability to look for patterns and gaps, creating structure where none exists.
• Balance empathy and accountability, building trust while driving outcomes.
• Energized by growth (both personal and organizational) with a desire 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.

Benefits

• High-impact opportunity to shape risk strategy at an early stage.
• 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.

Company Description

At Thrive, our best teammates embody GRIT:

• Get things done: Self-directed, proactive, and biased toward action.
• Respect each other: Lead with humility and empathy.
• Intellectual curiosity: Ask thoughtful questions and enjoy learning.
• Teamwork: Believe the best results come from shared ownership and open communication.

As a Credit Risk Manager/Senior Analyst, you also bring:

• Trustworthiness: Prioritize long-term relationships and follow through on commitments.
• Collaboration: Actively invite diverse perspectives for better solutions.
• Stewardship: Approach work with a servant mindset, focused on supporting 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.