[Hiring] Senior Credit Risk Analyst @Community Choice Financial Family of Brands

Role Description

Katapult is a technology-forward alternative financing company focused on powering the inclusion economy. We are seeking a Senior Credit Risk Analyst to join our Credit Risk Strategy team. This role will be responsible for reviewing and optimizing current credit risk criteria for underwriting and offers, with a focus on enhancing merchant performance, reducing losses, and increasing portfolio profitability.

In this role, you will:

• Evaluate underwriting strategies, offer structures, line assignments, promotional campaigns, and portfolio performance to identify opportunities and risks across the customer and merchant lifecycle.
• Overlap with collections performance monitoring, primarily focusing on upstream credit strategy, underwriting criteria, merchant performance, and data-based recommendations that support profitable growth.

This role is ideal for someone who enjoys combining analytics, credit risk strategy, and business partnership to improve decisioning, customer outcomes, merchant performance, and overall portfolio profitability in a fast-paced environment.

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, Data Analytics, or a related field.
• 5 to 8 years of relevant experience in credit risk, underwriting strategy, portfolio analytics, consumer finance, fintech, or related analytical functions.
• Strong understanding of consumer credit risk management, underwriting strategies, offer optimization, and portfolio performance monitoring.
• Experience analyzing large datasets and translating findings into actionable recommendations that balance growth, risk, and profitability objectives.
• Demonstrated experience evaluating approval criteria, line assignment strategies, promotional campaigns, or credit policy changes.
• Strong analytical skills with experience using data to diagnose performance trends, identify risks, and quantify business opportunities.
• Proficiency in SQL, Excel, and/or other analytical tools; experience with Python, BI tools, or statistical modeling is a plus.
• Ability to work cross-functionally and communicate clearly with both technical and non-technical stakeholders.
• Strong sense of ownership, attention to detail, and ability to manage multiple priorities in a fast-paced environment.
• Experience in consumer finance, lease-to-own, subprime/near-prime lending, merchant financing, or e-commerce financing is a plus.

Requirements

• Review and optimize underwriting decision criteria, approval strategies, and offer structures to improve risk-adjusted performance and profitability.
• Analyze customer, merchant, and portfolio performance to identify growth opportunities, loss drivers, and emerging credit or fraud risks.
• Evaluate merchant-level performance, including approval rates, conversion rates, customer payment behavior, losses, and profitability trends.
• Develop data-based recommendations to enhance merchant outcomes while maintaining appropriate credit risk controls.
• Manage and refine line assignment strategies to ensure offers are appropriately aligned to customer risk, affordability, and profitability objectives.
• Review performance of pricing tests, and portfolio initiatives to assess effectiveness and recommend optimization opportunities.
• Identify upstream underwriting opportunities that can improve downstream collections performance, payment behavior, and recovery outcomes.
• Monitor credit performance indicators, including approval quality, early payment performance, fraud trends, charge-offs, and customer behavior patterns.
• Partner cross-functionally with Operations, Finance, Sales and Product teams to translate insights into action.
• Prepare clear reporting, analysis, and recommendations for business stakeholders, including executive-level summaries when needed.

Benefits

• Performance-based career advancement.
• Multiple coverage choices for medical insurance, all include telemedicine and medical spending account options when enrolled (HSA/FSA).
• Traditional 401(k) and Roth 401(k) Retirement plan with a generous Company match program.
• Company-Sponsored Life and AD&D Insurance.
• Basic and Enhanced Voluntary benefits including dental, vision, short-term and long-term disability plans, supplemental life and AD&D insurance, accident, critical illness, hospital indemnity, ID theft protection, legal services program, and pet insurance.
• Complimentary access to mental health resources, life coaching, and more for you and your family members through our Employee Assistance Program.