Remote Credit Risk Analyst

Join a Role Where Your Decisions Shape the Future

Step into a high-impact position as a Remote Credit Risk Analyst where your insights will help drive smart lending decisions, guide financial strategies, and safeguard growth. Make an impact in a company that's scaling rapidly and committed to innovating how risk is assessed in the digital lending landscape. Take charge of your future in a position designed for professionals eager to grow, adapt, and make measurable contributions every day.

About the Role

This fully remote opportunity offers the chance to work with a forward-thinking finance team that thrives on data-driven decisions. As a Credit Risk Analyst, you will evaluate creditworthiness, monitor portfolio performance, and fine-tune risk models to ensure sustainable profitability. You won’t just analyze credit trends—you’ll help shape the policies and procedures that make responsible lending possible. Your role will be central to managing risk, supporting cross-functional teams, and contributing to major financial initiatives.

What You'll Be Doing

Credit Evaluation and Underwriting Support

• Review credit data and financial patterns of individual and business applicants using both structured data and behavioral indicators
• Develop robust frameworks for scoring credit applications using advanced risk modeling.
• Participate in refining underwriting criteria to balance growth and risk

Portfolio Monitoring and Loss Mitigation

• Continuously track the credit portfolio using key performance indicators and early-warning systems
• Identify emerging risk factors and implement preventive measures to minimize exposure
• Recommend strategic adjustments to lending policies based on evolving trends

Model Development and Validation

• Build predictive models that improve accuracy in risk classification
• Work with data engineers and analytics teams to refine model inputs and assumptions
• Conduct stress testing, back-testing, and scenario analysis to validate model robustness

Regulatory Compliance and Documentation

• Ensure credit risk practices comply with regulatory guidelines such as Basel III and FCRA
• Maintain accurate documentation of risk models, assumptions, and outcomes for audit readiness
• Collaborate with legal and compliance teams on policy updates

Cross-Department Collaboration

• Partner with finance, product, and marketing teams to align credit risk strategies with business goals
• Contribute to cross-functional projects involving pricing, credit limits, and loss forecasting
• Provide strategic insights during product launches and market expansion plans

Tools and Technologies You’ll Use

• SQL, R, or Python for data extraction and analysis
• Tableau, Power BI, or similar platforms for dashboard development
• Credit scoring platforms and third-party data sources
• Cloud-based analytics and collaboration tools like Snowflake, Notion, and Slack

Your Work Environment

In this remote-first role, you'll be part of a distributed yet deeply connected team that values precision, agility, and constant improvement. You’ll work from wherever you perform best while having full access to virtual tools that foster real-time collaboration and transparency. Daily stand-ups, biweekly planning sessions, and asynchronous updates ensure everyone stays aligned without micromanagement.

We champion flexibility. You’ll have the autonomy to schedule your own work hours while maintaining accountability and impact. This culture of ownership is supported by an inclusive leadership style that values input at all levels.

Skills and Experience That Set You Apart

• Proven experience in credit risk analysis, portfolio monitoring, or financial modeling
• Proficiency in statistical techniques, including regression, clustering, and decision trees
• Knowledge of regulatory frameworks such as CECL, IFRS 9, or Basel norms
• Experience working with consumer finance, SME lending, or digital banking platforms
• A strong grasp of risk-adjusted return, loss curves, and credit lifecycle dynamics
• Bachelor’s degree in Finance, Economics, Data Science, or a related discipline (Master’s preferred)
• Effective communication skills to present complex findings to non-technical audiences

What Makes You a Great Fit

You are analytical by nature but thrive in environments where your insights lead to real-world action. You bring clarity to complexity, curiosity to every data point, and initiative to every task. You’re energized by evolving problems, proactive in identifying solutions, and collaborative in your approach. If you believe that credit risk is about more than numbers—it’s about enabling responsible growth—you’ll flourish in this role.

Perks and Benefits That Inspire

• Competitive annual salary of $113,881
• Fully remote role with flexible working hours
• Performance-based bonuses and annual salary reviews
• Generous paid time off and holidays
• Professional development support, including certifications and learning stipends
• Robust healthcare package, covering dental, vision, and core medical needs
• Wellness reimbursements for gym, apps, or virtual classes
• Home office allowance to set up your ideal workspace
• An inclusive team culture focused on empowerment and respect

A Career That Grows With You

This role is more than a job—it's a launchpad for your career in strategic risk management. Whether your passion lies in deepening your modeling expertise or growing into a leadership role, we offer pathways for advancement, mentorship from senior leaders, and real responsibility from day one. You’ll gain experience that positions you for senior credit roles, cross-functional moves, or specialized tracks like enterprise risk or regulatory strategy.

Your Next Big Opportunity Awaits—Apply Now!

If you're ready to use your analytical mind to shape smarter credit decisions, optimize portfolio performance, and contribute to a growing digital finance ecosystem, this is your moment. Make an impact in a role that rewards initiative, celebrates data-driven excellence, and supports your professional journey every step of the way.

Take charge of your future. Apply today and step into a role where your decisions matter every single day.