[Remote] Credit Analyst

Note: The job is a remote job and is open to candidates in USA. PatientFi is a technology-based, point-of-sale financing company that partners with healthcare providers to offer patients a friendly payment solution. As a Credit Analyst, you will create consumer credit strategies to increase profitability and mitigate credit risk, working with complex data sources to optimize underwriting decisions and monitor credit performance.

Responsibilities

• Analyze Consumer Credit Risks: Review and underwrite unsecured consumer loan applications through our provider network to find opportunities to increase approval rates and credit limits while minimizing losses
• Technical Capabilities: Solid understanding time series analysis, consumer credit behavior, and statistical concepts. Ability to summarize complex solutions using data (SQL/SAS/Python), leverage data visualization tools, and integrate LLM’s into your workflow for efficiencies and insights
• Portfolio Evaluation: Monitor the performance of our loan portfolio, identifying early delinquency trends and assisting in the preparation of monthly and quarterly credit risk evaluations
• Organizational Collaboration: Work with the Data Science and other teams within PatientFi to collaborate on new initiatives, deploy new credit changes and find portfolio improvements
• Policy & Compliance: Ensure all underwriting decisions strictly adhere to PatientFi’s internal credit policies as well as applicable state and federal regulations (i.e. FCRA, ECOA/Reg B, UDAAP, TILA/Reg Z)

Skills

• 1–3 years of experience in consumer credit underwriting, risk analysis, or a related financial services role
• Bachelor's degree in Finance, Economics, Statistics, or a related quantitative field
• Understanding loan mechanics, origination quality and credit performance analytics
• Proficiency in Google and/or Microsoft business suite (Sheets/Excel/PPT), and comfort working with large datasets (SQL/SAS/Python)
• Familiarity with key US consumer lending regulations, including the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA)
• 2+ years of experience at a Fintech or Unsecured Lending Financial Institution
• Familiarity with POC and/or B2B2C lending businesses
• Proven experience implementing meaningful changes to underwriting outcomes through portfolio analysis
• Self-motivated and well adapted to working with remote teams and startup culture

Benefits

• Remote Work
• 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

Company Overview