Senior Credit Risk Analyst - Katapult Group

Senior Credit Risk Analyst - Katapult Group

Remote

Katapult is a technology-forward alternative financing company focused on powering the inclusion economy. We are seeking a Senior Credit Risk Analyst to join our Credit Risk Strategy team. This role will be responsible for reviewing and optimizing current credit risk criteria for underwriting and offers, with a focus on enhancing merchant performance, reducing losses, and increasing portfolio profitability.

In this role, you will evaluate underwriting strategies, offer structures, line assignments, promotional campaigns, and portfolio performance to identify opportunities and risks across the customer and merchant lifecycle. The role will overlap with collections performance monitoring, but will be primarily focused on upstream credit strategy, underwriting criteria, merchant performance, and data-based recommendations that support profitable growth.

This role is ideal for someone who enjoys combining analytics, credit risk strategy, and business partnership to improve decisioning, customer outcomes, merchant performance, and overall portfolio profitability in a fast-paced environment.

Katapult, The Aaron’s Company, and Community Choice Financial have combined under a unified enterprise, bringing together complementary brands and capabilities to better serve our customers and communities.

Benefits & Perks*

• Performance-based career advancement.
• Multiple coverage choices for medical insurance, all include telemedicine and medical spending account options when enrolled (HSA/FSA).
• Traditional 401(k) and Roth 401(k) Retirement plan with a generous Company match program.
• Company-Sponsored Life and AD&D Insurance.
• Basic and Enhanced Voluntary benefits so you may choose the right coverage at the right price for you and your family. Options include dental, vision, short-term and long-term disability plans, supplemental life and AD&D insurance, accident, critical illness, hospital indemnity,  protection, legal services program, and pet insurance.
• Complimentary access to mental health resources, life coaching, and more for you and your family members through our Employee Assistance Program.

* Based on current benefit offerings, which are subject to change with or without notice. Certain benefits are subject to the terms and conditions of the governing plan documents, which should be consulted for additional details and eligibility requirements.

• Review and optimize underwriting decision criteria, approval strategies, and offer structures to improve risk-adjusted performance and profitability
• Analyze customer, merchant, and portfolio performance to identify growth opportunities, loss drivers, and emerging credit or fraud risks
• Evaluate merchant-level performance, including approval rates, conversion rates, customer payment behavior, losses, and profitability trends
• Develop data-based recommendations to enhance merchant outcomes while maintaining appropriate credit risk controls
• Manage and refine line assignment strategies to ensure offers are appropriately aligned to customer risk, affordability, and profitability objectives
• Review performance of pricing tests, and portfolio initiatives to assess effectiveness and recommend optimization opportunities
• Identify upstream underwriting opportunities that can improve downstream collections performance, payment behavior, and recovery outcomes
• Monitor credit performance indicators, including approval quality, early payment performance, fraud trends, charge-offs, and customer behavior patterns
• Partner cross-functionally with Operations, Finance, Sales and Product teams to translate insights into action
• Prepare clear…