Credit Risk Analyst — Acquisition & Online Lending
Full-time Contractor (PJ) | 100% Remote | US Central Time hours
⚠️ This is NOT an FP&A, Treasury, or Controller role. If your background is financial planning, accounting, or back-book portfolio management, this role is not a match.
Our US fintech client — an online consumer lender — is looking for a Credit Risk Analyst who owns the front end of the credit funnel. This means acquisition-side risk: designing risk tiers, sequencing underwriting decisions, managing approval/decline trade-offs at the top of funnel, and building the logic that determines who gets credit and at what terms — before any loan hits the books.
If you have hands-on experience with risk tiers, underwriting decision paths, dynamic acquisition pricing, or rescue lane strategies at an online lender, BNPL provider, or fintech — this role is built for you.
What You'll Do
• Optimize risk tiers and underwriting sequences for online customer acquisition
• Analyze precision/recall trade-offs in credit decisioning models to balance approval volume and loss rates
• Support or develop dynamic acquisition pricing strategies tied to risk performance
• Design and refine multiple underwriting pathways (multi-path sequencing)
• Build and monitor rescue lane strategies to recover near-miss applicants
• Track and report on front-end risk KPIs: approval rate, take rate, early delinquency, cost per funded loan
• Work closely with data and product teams to improve decision engine logic
Requirements (Non Negotiable)
• 3+ years of experience in online consumer lending, BNPL, or a tangential fintech/e-commerce credit environment
• Hands-on acquisition/top-of-funnel risk experience: risk tier assessment, underwriting sequencing, or dynamic acquisition pricing
• Fluent English — interviews, daily standups, and all written communication are in English
• SQL proficiency — comfortable writing queries independently to analyze credit performance data
• Ability to work US Central Time hours (approx. 9am–6pm CT / 11am–8pm Brasília)
Nice to Have
• Experience with rescue lane management or near-miss recovery programs
• Background in fraud risk within the acquisition funnel
• Exposure to multi-path underwriting logic or decision engine configuration
• Portfolio monitoring and credit loss forecasting (post-acquisition)
• Experience at an e-commerce, marketplace lending, or embedded finance company
What We Offer
• PJ/contractor arrangement — compensation aligned with fintech market rates
• 100% remote — work from anywhere in Brazil
• US Central Time schedule — structured workday, no late nights
• Direct exposure to a fast-growing US online lending operation
To apply, fill out the questions below. Responses in Portuguese will not be considered.