Top Credit Analyst Jobs in NYC, NY

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, portfolio surveillance, executive reporting, model integration/testing, and alternative data exploration to optimize approval rates and manage portfolio risk.

Lead credit analytics for the Send Now Pay Later product: own portfolio health reporting, NPL trends, valuation and NPV models, vintage analysis, credit policy design, monitoring, model integration and testing, and alternative data exploration to optimize approval rates and loss performance.

The Associate will analyze financial statements and manage credit risk by implementing risk management techniques.

Conduct detailed credit investigations and financial statement analyses for commercial loan decisions; prepare credit memorandums for lending/credit officers or committees; support loan officers in structuring complex transactions and review Precision Lender reports; perform annual credit file reviews; supervise and train credit analysts; ensure compliance with policies and federal regulations; provide guidance and other duties as assigned.

Conduct detailed commercial credit investigations and financial statement analyses, prepare credit memos for lending decisions, support loan officers in structuring transactions, perform annual file reviews, and supervise/train credit analysts.

The role focuses on conducting fundamental credit research, analyzing capital structures, developing investment views, and maintaining external relationships to identify investment opportunities.

Translate credit policies into scalable decision logic, implement and maintain rule-based decision engines (e.g., Taktile), run UAT and scenario testing, monitor outputs, troubleshoot data and logic issues, document SOPs and audit-ready change logs, and track policy performance for unsecured lending.

Underwrite and price debt-portfolio acquisitions, build loan- and cohort-level cashflow forecasts, track portfolio performance vs. underwritten IRR/MOIC, diagnose return shortfalls, and establish underwriting standards, monitoring, and reporting to guide capital allocation decisions.

Design, implement, and manage partner and end-customer financing solutions across North America. Interface with commercial teams, financial institutions, and corporate finance to structure deals, present financing scenarios, manage program lifecycle, monitor portfolio risk and performance, ensure compliance, and support sales through training and commercial negotiations to drive partner growth and revenue.

Develop and test credit and fraud strategies using data, machine learning, and advanced analytics. Design A/B tests, analyze portfolio performance, identify trends, and partner with Data Science, Product, and Engineering to implement and validate risk decisions. Communicate findings and conduct ad-hoc analyses to optimize marketplace credit outcomes.

Evaluate borrower financials, perform comprehensive credit reviews, conduct cash flow analysis, recommend loan approvals and structuring, prepare credit memoranda, monitor portfolio risk and industry trends, and collaborate with underwriting and risk leadership to maintain disciplined underwriting and support business growth.