Senior Credit Risk Analyst​/Lead; Embedded Finance

Senior Credit Risk Analyst / Lead (Embedded Finance)

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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