Senior/Lead Credit Strategy Analyst
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Job Description
Sr./Lead Credit Analyst at PatientFi focusing on risk-based pricing strategies and portfolio profitability. Collaborating with cross-functional teams and reporting to senior leadership.
Responsibilities:
- 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.
- 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.
- 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.
- Partner closely with Data Science, Finance, Product, and Sales teams to align pricing strategy with funding costs and growth objectives.
- 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.
Requirements:
- 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.
Benefits:
- Medical, dental, and vision premiums covered at 80% for employees and dependents
- Unlimited PTO
- 401(k)
- Parental leave
- AD&D policy provided at no cost to employees
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