[Hiring] Senior Director, Credit Risk Analytics @Prosper

Role Description

The Senior Director, Credit Risk Analytics is a pivotal leadership role responsible for credit underwriting, pricing, verification strategies, and the overall credit performance of our Personal Loan business. In this role, you will:

• Review, analyze, and elevate our credit, pricing, and verification strategies by leveraging ML/AI models and data to drive profitable growth and attractive investor returns.
• Own the entire lifecycle of credit risk management.
• Collaborate seamlessly across Capital Markets, Product, Engineering, Legal, Compliance, Operations, and Marketing.
• Guide the team in developing automated decisioning strategies, owning the end-to-end process to support profitable growth while effectively managing credit and fraud losses.
• Ensure we continually deliver on our mission of advancing financial well-being.

Qualifications

• Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related quantitative field.
• 12+ years of experience managing credit risk within the Credit Card or Personal Loan sectors.
• Deep knowledge of credit and fraud risk management, with a strong business acumen.
• 7+ years of people leadership experience, with a proven ability to mentor, develop, and inspire high-performing, innovative teams.
• Outstanding written and verbal communication skills.
• A strong team player and a relationship-builder.
• Demonstrated ability to thrive in a fast-paced environment.
• The capability to build, refine, and elevate credit strategy frameworks.
• Ability to work productively in a hybrid environment.

Requirements

• Develop cutting-edge credit, pricing, and verification strategies to enhance credit and fraud performance.
• Translate complex findings into actionable enhancements.
• Serve as a trusted voice to our investors.
• Partner seamlessly with various teams.
• Ensure credit losses remain within the company’s defined risk appetite.
• Identify, evaluate, and build business cases for new vendors and technologies.
• Analyze portfolio performance to identify key performance drivers and implement strategy changes as needed.

Benefits

• A competitive salary and a 401(k) with a 5% company match.
• Flexible time off and paid parental leave.
• Annual wellness allowance and comprehensive health coverage.
• Access to premium perks, including Udemy access, childcare assistance, and pet insurance.

Company Description

Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.

• Prosper’s flagship personal loan marketplace offers unique value for both borrowers and investors.
• Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive.