About the Role Ready to shape how we take smart risk while expanding access to credit? As a Credit Risk Analyst, you’ll help design and refine the credit strategies that sit at the heart of our business. You’ll dig into approval rates, loss outcomes, and portfolio trends across segments and vintages, then turn those insights into recommendations on credit policy, decisioning rules, pricing, and terms that balance growth with disciplined risk management. Working in a modern fintech environment, you’ll monitor model and scorecard performance, support scenario and tradeoff analysis, and deliver insights that inform credit strategy. This role offers the chance to build deep expertise in consumer lending risk while helping more customers access responsible, transparent financing for the auto repairs and essentials they depend on. What You Will Do: Credit Policy & Decisioning Analytics Analyze credit policy performance including approval rates, decision distributions, and cutoff effectiveness. Support evaluation of credit strategy metrics and tiering strategies. Monitor automated decisioning rules and identify opportunities for optimization. Provide analytical support for policy changes, limit adjustments, and offer structure refinements. Portfolio Credit Performance Monitoring Produce recurring credit performance reporting across segments, tiers, and vintages. Track origination quality metrics, early payment defaults, and delinquency emergence by cohort. Analyze credit attribute distributions, score migrations, and performance vs. expectations. Maintain dashboards and scorecards that support internal decision-making and investor/capital partner reporting. Approval Rate & Loss Tradeoff Analysis Model tradeoffs between approval rates, expected loss rates, and portfolio yield. Conduct segment-level profitability analysis to inform risk appetite decisions. Support scenario analysis and simulation frameworks for proposed policy changes. Analyze swap-in/swap-out populations to evaluate potential decisioning rule adjustments. Pricing & Terms Strategy Support Analyze pricing effectiveness across risk tiers, products, and channels. Support evaluation of term structures, APR strategies, and fee configurations. Provide data and insights connecting pricing decisions to portfolio economics and competitive positioning. Credit Model & Scorecard Support Monitor credit model and scorecard performance (rank-ordering, KS statistics, Gini coefficients). Support model validation activities by preparing performance data and back-testing analysis. Analyze model input variables and feature importance to inform future model development. Collaborate on model performance reviews and enhancement opportunities. Cross-Functional Collaboration Partner with collections, servicing, and fraud teams to ensure aligned metric definitions and portfolio health understanding. Collaborate with finance on loss forecasting inputs, CECL analysis, and reserve adequacy. Support investor and board reporting with transparent loan-level data and performance analytics. Engage with technology teams on data access, decisioning platform enhancements, and reporting infrastructure. . Who You Are: Salary: The salary range for this position is $72,000 - $90,000 a year.  DigniFi salary ranges are determined by role, level, and location. The salary range displayed in each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Please note, the base pay offered may vary within the range depending on a wide array of factors including but not limited to work location, job-related knowledge/skills, relevant education/training, and level of experience. Please note that the compensation details listed in postings reflect the base salary only, and do not include bonuses or benefits.