Overview
Your role in our mission
Full job description
Your role in our mission As the first peer to peer lending marketplace in the states, Prosper has a history of innovation. As a growth company that generates cash, Prosper also has a history of generating results. We are looking for team members that share our passion for applied analysis and who would be excited to be part of a mission-driven team. The successful candidate will join Prosper’s Credit Risk team. The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in Prosper’s online marketplace. A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to develop verification and fraud strategies using models and data in order to manage credit decisions. An ideal candidate should have strong hands-on analytical skills and a passion for solving problems in innovative and effective ways. The faster and more agile risk strategies keep our marketplace competitive and ensure that we continue to deliver on our mission of advancing financial well-being.
Develop credit and fraud strategies to improve the credit performance by using data, machine learning models, and advanced analytics tools to optimize risk decisions
Bring innovative, out of the box thinking to make recommendations and solve problems
Design A/B tests and understand the risk and customer experience trade-offs
Continue to innovate by testing new data, analytical approaches, and models
Partner with Data Science, Product, Engineering and other partner teams to implement credit and fraud prevention strategies, test, and validate pre and post performance
Conduct ad-hoc analysis related to risk management, product, and operations
Analyze portfolio performance at a granular segment level on an ongoing basis
Identify trends and conduct root-cause analysis to isolate key performance drivers
Communicate findings and recommendations to the Risk Management and broader Prosper community
Bachelor's degree with 2+ years of experience, OR a Master's degree with less experience
Bachelors degree or higher in Business, Statistics, Mathematics, Computer Science, Engineering or Economics
Background in Credit Risk, Fraud Risk, or Data Science within the consumer lending industry
Direct experience with consumer personal loans or credit cards is a plus
Strong analytical and problem-solving skills
Strong proficiency in SQL and Python is required. Experience with DBT and Looker is a plus
Strong Communication Skills: Ability to explain complex, technical concepts clearly and concisely to both technical peers and senior leadership
Knowledge and experience of segmentation, statistical procedures, and financial analytic tools is required
Curious to ask questions, probe into reasons, and challenge the status quo
Strong ownership and motivation to drive business results
Ability to work in a fast-paced environment and meet deadlines without sacrificing quality
Self-starter; comfortable dealing with ambiguity
Candidates without financial services experience will be considered if they possess a strong background in technology and demonstrated analytical skills
A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported
Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security
Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage
Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace
Recruiter Call: A brief screening to discuss your experience and initial questions
Department Interview: Deeper dive into technical skills and project alignment with the Hiring Manager or team member
Technical Interview: Deeper dive into coding skills
Team/Virtual Interview: Meet team members for collaborative discussions, problem-solving, or technical exercise
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