SR Risk Analyst – Lending & Card Servies

The Senior Risk Analyst:
Lending & Card Services supports credit and fraud risk management across Populus Financial Group’s card services and consumer lending portfolios. This role focuses on model monitoring, underwriting policy execution, and portfolio analytics, partnering with senior risk leadership to deliver data‑driven insights and support sound risk decisions. This is a hands‑on analytical role.

The ideal candidate is analytically driven, detail‑oriented, and curious, with strong data skills and an eagerness to learn in a fast‑paced environment.

• Monitor credit and fraud model performance across lending and card services portfolios, including approval rates, losses, fraud outcomes, and stability metrics.
• Execute ongoing model monitoring and reporting, identifying performance shifts, emerging risks, and trends requiring escalation.
• Support credit policy and underwriting model initiatives, including rule testing, feature analysis, validation, and performance monitoring.
• Perform ad‑hoc analytics to identify emerging risk trends, segment performance, and opportunities to improve predictive accuracy.
• Support card services risk analytics related to prepaid, DDA, ACH, transactions, KYC, and fraud activity.
• Develop and maintain dashboards and recurring reports for key risk indicators (KRIs) and portfolio performance.
• Partner with Fraud, Compliance, Product, Marketing, and Data teams to support risk initiatives and ensure aligned execution.
• Prepare clear analytical insights and recommendations for senior risk leadership.
• Maintain documentation for models, policies, monitoring results, and analytical processes to support governance and audits.
• Present analytical findings to the Manager and Director, providing insights that support data‑driven decisions.
• Analytical and Quantitative Thinking.
• Credit Risk and Fraud Risk Fundamentals.
• Model Performance Monitoring and Interpretation.
• Underwriting Policy and Decision Rule Analysis.
• Data Management, Quality, and Accuracy.
• Programming and Analytical Tools (SQL, SAS, Python, or R).
• Data Visualization and Executive‑Ready Reporting.
• Collaboration and Cross‑Functional Partnership.
• Problem Solving and Critical Thinking.

• Bachelor’s degree in a quantitative or business‑related field.
• 3–5 years of experience in risk analytics, credit risk, fraud analytics, lending, or payments.
• Strong proficiency in SQL and at least one of the following: SAS, Python, or R (required).
• Hands‑on experience supporting model monitoring, underwriting policy, or risk decision rules in a production environment.
• Experience with BI tools such as Tableau or Power BI.
• Strong analytical, communication, and problem‑solving skills.
• Ability to work with large datasets and synthesize findings into actionable insights.
• Strong communication and presentation skills, with the ability to explain complex data clearly.
• Demonstrated curiosity and initiative to identify trends, patterns, and improvement opportunities.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the major responsibilities.

While performing the duties of this job, the employee is regularly required to sit, stand or walk; use hands to finger, handle, or feel; reach with hands and arms; stoop or bend; and talk or hear. The employee must occasionally lift and/or move up to 50 lbs. Must have appropriate vision to see up close, and at a distance with ability to adjust vision and focus.

This is a full‑time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. This position might require long hours and weekend work.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in some work environments can be moderate.