Underwriting Analyst Senior

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in:
Sioux Falls, SD, Scottsdale, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™.We area financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our
* HUMBLE*HUNGRY
* SMART
approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

Identify and interpret insights from various data sources and communicate findings to management. Assist in underwriting strategy by optimizing risk-based profit & loss modeling, within proprietary lending platform. Includes developing reports based on performance data and helping to identify patterns of behavior.

• Mines and analyzes large datasets utilizing descriptive, predictive, and prescriptive analytics.
• Develops insights from historical loan performance data, identify swap-in opportunities to underwrite new customer populations, and develop credit solutions for customer base using various analytical techniques.
• Developing and refining reports working with data analytics team, underwriting, and operations team.
• Leverages custom score models for underwriting, pricing, and profitability.
• Forecasts performance and track actual performance against lending target.
• Collaborates with vendors, data science, and technology teams to ensure new strategies and models are implemented accurately and as designed.
• Creates/maintains Procedure and Program documentation.
• Conducts other ad hoc analyses as required to support team goals.
• Other duties as assigned.

• Bachelor's degree or equivalent education and work experience.
• Typically, 5+ years with bachelor's or equivalent.
• Proficiency with Microsoft Office, SAS, and SQL.

• Experience with Python, Snowflake, Amazon S3, and Sage Maker.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $86,000 – $145,000

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

Are you authorized to work in the United States?

Will you now or in the future require Pathward to sponsor you for an employment-based visa or participate in a work authorization benefit in order to employ you (for example, H-1B or OPT)?

We are excited to learn more about you! Please share what initially sparked your interest in this role and how it aligns with your professional goals. Additionally, we’d love to hear your thoughts on Pathward as an organization—what drew you to us, and how do you see yourself contributing to our mission?

Please provide your Linked In Profile