Senior Analyst, Risk Management (R13524)

About Oportun

Oportun (Nasdaq : OPRT) is a mission-driven fintech that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $19.7 billion in responsible and affordable credit, saved its members more than $2.4 billion in interest and fees, and helped its members save an average of more than $1,800 annually. Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.

WORKING AT OPORTUN

Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organization's performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups.

Position Summary

Step into a role where risk management meets innovation. As a Sr. Analyst of Risk Management, you will pioneer strategies that ensure our personal loan products transform lives without compromising risk. You will design risk strategies that consider more than traditional credit scores. You will gain exposure to pricing, marketing and underwriting to build deep knowledge of installment loan business, helping drive growth and profit optimization. This is an exciting opportunity in a fast-paced organization where your contributions can have a meaningful impact.

Responsibilities

• Gain exposure to key areas such as risk underwriting, pricing, and direct mail marketing with the opportunity to specialize and focus on a specific area based on interest and business needs
• Partner with product, data science and engineering to design and implement tests; turn learnings into actionable strategies, presenting findings to stake holders to influence decision making
• Develop and maintain valuation frameworks to determine profitability at the margin; recommend changes to risk strategies to maximize profitability and ensure required return on capital for all risk segments
• Develop dynamic risk assessment frameworks using alternative data to evaluate creditworthiness and optimize loan amount assignment strategy given a set of constraints and assumptions.
• Design strategy ramp-up to support the expansion in new channels, new geographic regions and / or new partner sources while ensuring portfolio resilience
• Monitor portfolio performance, refining strategies to minimize defaults while maximizing credit access for the underserved

Requirements

We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate.

California applicants can find a copy of Oportun's CCPA Notice here : https : / / oportun.com / privacy / california-privacy-notice / .

We will never request personal identifiable information (bank, credit card, etc.) before you are hired. We do not charge you for pre-employment fees such as background checks, training, or equipment. If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI's Internet Crime Complaint Center (IC3).

Skills Required

Powerpoint, Microsoft Excel, Sql, Python