Analytics Analyst Senior (Credit Risk)

Location: Charlotte, NC, United States of America

Company

hirify.global provides personal loans, credit cards, and other financial products to nonprime customers, focusing on responsible access to credit and financial well-being.

What you will do

• Design, document, recommend, and execute consumer credit underwriting and pricing strategies using historical customer performance data from multiple systems.
• Develop, test, and implement strategies with R, SAS, SQL, MATLAB, Python, and decision-tree analytics software.
• Apply regression models and machine learning algorithms to identify key drivers and estimate customer behavior across strategy treatments.
• Build credit-cycle strategy optimization frameworks supporting profitable growth, loss mitigation, and portfolio profitability.
• Implement data-quality controls and improve reporting, processes, and automation.
• Conduct segmentation, competitive, sensitivity, modeling, validation, and ad-hoc analyses; summarize and present findings to management.

Requirements

• Bachelor’s degree in a quantitative discipline such as Engineering, Statistics, Economics, Business Management, or Computer Science; graduate education is preferred.
• 3–5 years of experience in complex, data-driven problem solving.
• Strong SQL, SAS, and Excel skills required.
• Experience with relational databases, BI tools or platforms, and additional programming languages is a plus.
• Ability to develop highly analytical and innovative approaches to problem solving.
• Lending or consumer finance industry experience is preferred.

Culture & Benefits

• Full-time employment with flexible work arrangements and an inclusive, customer-focused culture.
• Medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurance options.
• Up to 4% matching 401(k), employee stock purchase plan with a 10% share discount, and tuition reimbursement.
• Paid time off includes 15 vacation days, 2 personal days, paid sick leave, 7 holidays, and 3 volunteer days, subject to start date and applicable ordinances.
• Career development opportunities and recognition as a Most Loved Workplace in 2022, 2023, and 2024.