Risk Analyst

About Us

MoneyLion is America’s most powerful and rewarding financial membership, empowering people to take control of their finances to achieve their overall life goals.

Since its launch in 2013, MoneyLion has amassed more than 4 million members and has earned its customers trust with new banking and investment capabilities that offer a one-of-a-kind rewards program, no-fee checking account, overdraft protection, and loans funded in 15 seconds or less.

From a single application platform, users can get a holistic snapshot of their entire financial lives while having access to personalized and contextualized tips and tools to improve their credit and achieve everyday savings.

By rewarding financial responsibility, providing top-notch customer assistance, and offering insightful financial education tips, we aim to positively impact our customers and enable them to better their financial health.

MoneyLion team members are passionate about making a difference in people’s lives. We work fast, collaborate always, and above all else, we do it for our customers.

About the Role

MoneyLion's Credit Risk department is seeking for an experienced Risk Analyst to join the team to facilitate and champion a data-driven approach to credit risk management. This will entail a deep understanding of traditional and alternative consumer credit attributes, acquisition funnel dynamics, underwriting strategy, and unit economics. The selected candidate for this role will be a self-starter who is able to effectively translate data into actionable recommendations.

Key Responsibilities

  • Leverage data-driven insights to drive changes to credit strategy, pricing, and line assignment
  • Work collaboratively with Lending Product Managers and other internal stakeholders
  • Serve as an organizational expert on our risk tracking tools and dashboards; educate and evangelize a data-driven approach throughout the user experience
  • Continue to develop our in-house risk analytics tools to track portfolio performance and make recommendations
  • Perform ad-hoc data studies based on management requirements
  • Develop and forecast key credit metrics
  • Timely fulfillment of Regulatory / Compliance Data needs
  • Work with the senior management team to support insight-driven decision-making

About the You

  • 2+ years of credit risk and/or analytical experience
  • Experience working with databases (e.g. MongoDB,PostgreSQL, ElasticSearch, etc)
  • Demonstrated understanding of traditional and alternative consumer credit attributes, acquisition funnel dynamics, underwriting strategy, and unit economics
  • Knowledge of R or Python
  • Ability formulate novel solutions to problems, communicate thought process clearly, and think within the context of larger business needs and targets

Visa sponsorship is not available for this position.

MoneyLion is committed to equal employment opportunities for all employees. Inside our company, every decision we make regarding our employees is based on merit, competence, and performance, completely free of discrimination. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills. Within that team, no one will feel more “other” than anyone else. We realize the full promise of diversity and want you to bring your whole self to work every single day