Senior Credit Analyst

<div class="content-intro"><p class="gmail-paragraph_paragraph__3RIg8 gmail-paragraph_medium__3PXAa gmail-markdown-renderer_paragraph__23HQX gmail-paragraph_pad-bottom__1m_1c"><strong>Gen Z</strong>&nbsp;is the generation of the side hustle. 💪🏻 They’re creators. 👩‍🎤 They’re freelancers. 🧑‍💻 They’re investors. 👩‍💼 And they’re not afraid to take on challenges, especially when it comes to their finances - and we’re here for it.</p>
<p class="gmail-paragraph_paragraph__3RIg8 gmail-paragraph_medium__3PXAa gmail-markdown-renderer_paragraph__23HQX gmail-paragraph_pad-bottom__1m_1c"><strong>Step</strong> is a next-generation financial services company building a better banking experience to help teens and young adults achieve financial independence and knowledge at an earlier age. We’re on a mission to improve the financial future of the next generation by empowering teens to start their financial journey today. Step is a well-funded Series C company that has raised more than $175M, focused on disrupting the banking industry through a differentiated mobile-first consumer experience.</p>
<p class="gmail-paragraph_paragraph__3RIg8 gmail-paragraph_medium__3PXAa gmail-markdown-renderer_paragraph__23HQX gmail-paragraph_pad-bottom__1m_1c"><strong data-stringify-type="bold">People love our product</strong>. We eclipsed over 5.5M million customers, and if you’re looking to join a fast-growing company with a strong mission and vision that puts people first, we want to meet you!</p></div><h2>The role</h2>
<p>We seek an experienced Senior Credit Analyst to enable and accelerate Step’s Lending projects.</p>
<h3><strong>What you'll do</strong></h3>
<ul>
<li>Build pricing models that drive sustainable growth and profitability of the lending program.</li>
<li>Ideate new pricing structures, underwriting iterations and product differentiators with a cross-functional team of Product, Legal, Compliance, Data and Engineering.</li>
<li>Implement detailed data tracking of key KPI's that make the health of the lending program accessible and easy to explain for stakeholders.</li>
<li>Model product performance over time and use those insights to support on creating strategy proposals to drive the lending business forward.</li>
<li>Work closely with Data Science to optimize profitability by assisting with model development and credit policy creation</li>
<li>Create customer risk profiles that can be used as a point of reference for the lending program</li>
<li>Perform ad-hoc analysis to understand business and customer trends.</li>
</ul>
<h3>What we're looking for</h3>
<ul>
<li>8+ years experience in analytics.</li>
<li>Previous experience with creating and modeling pricing structures and credit policies.</li>
<li>Strong understanding of lending and experience in financial analysis.</li>
<li>Experience performing credit risk analysis and customer risk segmentation.</li>
<li>Strong command of SQL and one or more modern programming languages.</li>
<li>Experience with data visualization tools like Looker, Mixpanel, Tableau, etc.</li>
<li>Ability to communicate clearly with both technical and non-technical audiences.</li>
<li>Bias towards simple solutions that work.</li>
<li>Self-starter and able to work autonomously.</li>
</ul>
<h2>Working at Step</h2>
<ul>
<li>Competitive salary based on experience, with full medical and dental benefits 💸</li>
<li>High potential for growth 📈</li>
<li>Stock in an early-stage startup 🤩</li>
<li>Flexible WFH and vacation policy 🏝</li>
<li>Paid parental Leave 🐣</li>
<li>Employee referral program 👯‍♀️👯</li>
<li>401K plan 💪🏻</li>
</ul><div class="content-conclusion"><h2>Working at Step</h2>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Competitive salary based on experience, with full medical and dental benefits 💸</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">High potential for growth 📈</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Stock in an early-stage startup 🤩</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Flexible WFH and vacation policy 🏝</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Paid parental Leave 🐣</span></li>
<li style="font-weight: 400;">Employee referral program 👯‍♀️👯</li>
<li style="font-weight: 400;"><span style="font-weight: 400;">401K plan 💪🏻</span></li>
</ul></div>