[Hiring] Sr. / Lead Credit Strategy Analyst @PatientFi

Role Description

As a Sr./Lead Credit Analyst at PatientFi, you will be the primary owner of risk-based pricing strategy and portfolio profitability—focusing on the intersection of credit risk, pricing strategy, and profitability. You will continuously refine and optimize existing pricing to determine how we price risk across our consumer loan portfolio, ensuring that every credit decision drives sustainable, risk-adjusted returns. You will lead the development of new pricing models, yield optimization strategies, and loss-adjusted return analyses that directly influence PatientFi’s performance. This is a high-visibility, high-impact role with direct exposure to senior leadership and significantly contribute towards the company’s future growth.

What You'll Do

• Risk-Based Pricing Strategy: Own the design, implementation, and ongoing optimization of PatientFi’s risk-based pricing framework. Develop and refine pricing tiers, APR bands, and credit limit structures that accurately reflect borrower risk profiles, maximize risk-adjusted net interest margin (NIM), and remain competitive within our market.
• Profitability & Yield Analytics: Leverage comprehensive unit economics models—including loss-adjusted return, net yield, and other profitability measures—at the segment, vintage, and product level. Translate portfolio performance data into actionable pricing and credit policy changes that improve overall portfolio performance.
• Portfolio Performance Monitoring: Serve as the primary owner of portfolio profitability reporting. Proactively track vintage performance, delinquency trends, prepayment behavior, and net charge-off trajectories to identify pricing dislocations and risk-adjusted return opportunities. Lead preparation of monthly and quarterly credit risk and profitability evaluations for senior leadership.
• Cross-Functional Collaboration: Partner closely with Data Science, Finance, Product, and Sales teams to align pricing strategy with funding costs and growth objectives. Represent the credit function in profitability-focused business reviews and decisions.
• Policy & Compliance: Ensure all pricing strategies and underwriting decisions adhere to PatientFi’s internal credit policies and applicable state and federal regulations, including FCRA, ECOA/Reg B, UDAAP, and TILA/Reg Z. Actively monitor for fair lending and disparate impact risks within pricing frameworks.

Qualifications

• 5–8 years of experience in consumer credit risk, pricing strategy, risk-based pricing, or portfolio analytics within a financial services or fintech environment, with demonstrated ownership of profitability-focused initiatives.
• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field. Advanced degree (MBA, MS in a quantitative discipline) a plus.
• Experience designing and optimizing risk-based pricing frameworks for consumer credit products. Proven ability to connect credit risk parameters to pricing outputs, net yield targets, and economic outcomes.
• Proficiency in SQL, SAS, and/or Python for large-scale data analysis and model development. Strong command of Google and/or Microsoft business suite (Sheets/Excel/PowerPoint) for financial modeling and executive presentations.
• Strong working knowledge of US consumer lending regulations including FCRA, ECOA/Reg B, UDAAP, and TILA/Reg Z, with particular sensitivity to fair lending implications of pricing strategies.
• Proven ability to synthesize complex pricing and profitability analyses into clear narratives for senior leadership and cross-functional stakeholders across all levels of the business. Comfortable presenting in business reviews and influencing strategic decisions with data.

Preferred Qualifications

• 5+ years of experience at a Fintech, Marketplace Lender, or Unsecured Consumer Lending institution with direct ownership of risk-based pricing.
• Experience building or refining strategies that incorporate alternative data sources (cashflow, open banking, behavioral signals) alongside traditional bureau attributes.
• Hands-on experience with point-of-care (POC) and/or B2B2C lending business models.
• Familiarity with capital markets concepts (cost of funds, securitization economics, whole-loan pricing) and how they interface with consumer credit pricing strategy.
• Experience integrating ML/AI models into production pricing or underwriting workflows.
• Track record of measurably improving NIM, risk-adjusted returns, or loss-adjusted yield through risk-based pricing strategy changes.
• Self-motivated.