Credit Risk Analyst

#LI-AW1     About Us Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products. Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com. We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!     Our Values Diversity expands opportunities Collaboration creates better solutions Curiosity fuels our innovation Integrity defines all our relationships Excellence leads to longevity  Simplicity guides our user experience  Accountability at all levels drives results   www.prosper.com Our Story & Team  //   Our Blog    Applicants have rights under Federal Employment Laws. Family & Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)    California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.   Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.   At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.   Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.     *All personal loans are made by WebBank. ¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.

How you’ll make an impact

Skills that will help you thrive

Bachelor's degree with 2+ years of experience, OR a Master's degree with less experience

Bachelors degree or higher in Business, Statistics, Mathematics, Computer Science, Engineering or Economics

Background in Credit Risk, Fraud Risk, or Data Science within the consumer lending industry

Direct experience with consumer personal loans or credit cards is a plus

Strong analytical and problem-solving skills

Strong proficiency in SQL and Python is required. Experience with DBT and Looker is a plus

Strong Communication Skills: Ability to explain complex, technical concepts clearly and concisely to both technical peers and senior leadership

Knowledge and experience of segmentation, statistical procedures, and financial analytic tools is required

Curious to ask questions, probe into reasons, and challenge the status quo

Strong ownership and motivation to drive business results

Ability to work in a fast-paced environment and meet deadlines without sacrificing quality

Self-starter; comfortable dealing with ambiguity

Candidates without financial services experience will be considered if they possess a strong background in technology and demonstrated analytical skills

Resources to help you prosper

Interview Process