Senior Credit Risk Analyst (Fintech)

TL;DR

Senior Credit Risk Analyst (Fintech/Lending): Designing and optimizing verification strategies for personal loan products using vendor, credit bureau, and internal data with an accent on income validation, risk signal detection, and underwriting optimization. Focus on quantifying trade-offs between approval rates and credit losses through A/B testing and cohort analysis.

Location: Remote (USA)

Company

hirify.global, now part of Barclays, is a tech-enabled financial platform providing innovative lending solutions and financial health tools.

What you will do

• Build and scale income verification strategies for personal loans using credit bureau and vendor data.
• Define verification playbooks, decision rules, and escalation criteria for manual review.
• Optimize trade-offs between approval/conversion rates, funding volume, and early credit losses.
• Design and execute A/B tests and champion/challenger strategies.
• Monitor performance using funnel metrics, cohort/vintage analysis, and risk segmentation.
• Partner with Product, Data Science, Fraud, and Credit Underwriting teams to provide high-impact recommendations.

Requirements

• 5+ years of experience in credit risk, underwriting strategy, or verification analytics.
• Hands-on experience with personal loans or unsecured consumer lending.
• Expertise in utilizing credit bureau data and income/bank/payroll data vendors.
• Strong SQL skills; Python or R is a plus.
• Experience with experimentation and swapset analysis.
• Must be based in the United States.

Nice to have

• Deep experience with income verification vendors and workflows.
• Familiarity with first-party fraud.
• Experience working in fintech or high-growth lending environments.

Culture & Benefits

• Culture focused on putting people first, creating clarity, and delivering excellence.
• Combination of fintech agility with the stability and reach of Barclays.
• Expanded opportunities for growth and career mobility across a global organization.
• Strong commitment to integrity, inclusion, and diversity.