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We are looking for a data-driven Credit Risk Manager to build the analytical backbone of Real Wallet Capital - our dynamic line of credit for real estate agents. This is not a maintenance role; it is a build role. You will be the primary owner of credit analytics, responsible for translating raw data into risk policies, pricing strategies, and loss forecasting models. You will help us scale a safe, innovative, high-growth lending business from the ground up.
Job Responsibility:
Build the Risk Engine: Develop and own the analytical framework for credit risk, including underwriting models, loss forecasting, and credit policy definition using SQL and Python
Monitor Portfolio Health: construct comprehensive dashboards (Sigma, Looker, or similar) to track repayment behavior, vintage performance, delinquency roll rates, and unit economics
Drive Strategy & Optimization: Analyze product performance to recommend data-backed changes to product designs that maximize funding availability while protecting downside
Lead New Product Analysis: Conduct deep-dive assessments on market segments and risk profiles to help design and launch future financial products for real estate agents
Automate & Innovate: Leverage AI tools (ChatGPT, GitHub Copilot) to accelerate code generation and insight discovery, moving our risk processes from manual reviews to automated decisioning
Collaborate Cross-Functionally: Partner closely with Product, Finance, and Operations leadership to translate complex risk data into clear, actionable business strategies
Requirements:
Bachelor’s degree in a quantitative or analytical field (e.g., Economics, Finance, Mathematics, Statistics, Engineering, or Computer Science)
3+ years of experience in credit risk, analytics, fintech lending, specialty finance, or adjacent fields
Strong proficiency in SQL and Python
A solid grasp of credit risk principles for SMB or consumer lending
Experience building dashboards and analytical tools using platforms like Sigma, Looker, Tableau, or Metabase
Ability to utilize AI tools
Experience in a high-growth startup or fintech environment is a strong plus
Nice to have:
Experience in a high-growth startup or fintech environment