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Senior Credit Risk Analyst / Lead (Embedded Finance)
Senior Credit Risk Analyst / Lead (Embedded Finance)Space Executive • Atlanta, GA, US
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Senior Credit Risk Analyst / Lead (Embedded Finance)

Senior Credit Risk Analyst / Lead (Embedded Finance)

Space Executive • Atlanta, GA, US
[job_card.variable_days_ago]
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  • [job_card.full_time]
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Job Description

A high-growth global fintech is expanding its US credit risk function and looking to appoint a Senior Credit Risk Analyst / Lead to support its next stage of growth. The firm partners with some of the world’s leading e-commerce and payments platforms to deliver flexible, data-driven financing products to merchants and SMEs.

This is not a regulatory or modeling role — it sits in the first line , owning portfolio performance and driving actionable, data-backed decisions.

Key Responsibilities

  • Manage and monitor portfolio-level credit performance across multiple US partners and segments
  • Develop and iterate credit policies, risk thresholds, and partner frameworks to balance growth and risk
  • Run A / B testing and policy experiments to continuously refine strategies
  • Use SQL and visualization tools (Tableau / Power BI) to automate portfolio tracking and maintain real-time accuracy
  • Identify risk trends and surface actionable insights to leadership and cross-functional teams
  • Collaborate with underwriting, product, and commercial teams to align risk and business objectives

Key Requirements

  • 5–9 years’ experience in credit risk, portfolio management, or SME lending within fintech, payments, or alternative lending
  • Strong proficiency in SQL (essential); Python optional
  • Skilled in Tableau or Power BI for data visualization and automation
  • Experience with SME or consumer lending portfolios , credit bureaus, and alternative data sources
  • Strong communicator — able to engage stakeholders diplomatically and translate data into action
  • Bias for execution and experimentation — comfortable learning fast and iterating in real time

    • Why Join

  • Join a global fintech scaling rapidly across Europe and North America, backed by strong institutional capital
  • Work alongside experienced risk leaders in a culture that values autonomy, iteration, and measurable impact
  • Exposure to global portfolios and embedded finance partners across payments and e-commerce ecosystems
  • Clear career progression into lead or regional strategy roles
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