ABOUT OPORTUN Oportun Nasdaq OPRT is a mission-driven fintech that puts its members financial goals within reach With intelligent borrowing savings and budgeting capabilities Oportun empowers members with the confidence to build a better financial future Since inception Oportun has provided more than 19 7 billion in responsible and affordable credit saved its members more than 2 4 billion in interest and fees and helped its members save an average of more than 1 800 annually Oportun has been certified as a Community Development Financial Institution CDFI since 2009 WORKING AT OPORTUN Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives This inclusive culture is directly connected to our organization s performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream We celebrate and nurture our inclusive culture through our employee resource groups POSITION SUMMARY Step into a role where risk management meets innovation As a Sr Analyst of Risk Management you will pioneer strategies that ensure our personal loan products transform lives without compromising risk You will design risk strategies that consider more than traditional credit scores You will gain exposure to pricing marketing and underwriting to build deep knowledge of installment loan business helping drive growth and profit optimization This is an exciting opportunity in a fast-paced organization where your contributions can have a meaningful impact RESPONSIBILITIES Gain exposure to key areas such as risk underwriting pricing and direct mail marketing with the opportunity to specialize and focus on a specific area based on interest and business needs Partner with product data science and engineering to design and implement tests turn learnings into actionable strategies presenting findings to stake holders to influence decision making Develop and maintain valuation frameworks to determine profitability at the margin recommend changes to risk strategies to maximize profitability and ensure required return on capital for all risk segments Develop dynamic risk assessment frameworks using alternative data to evaluate creditworthiness and optimize loan amount assignment strategy given a set of constraints and assumptions Design strategy ramp-up to support the expansion in new channels new geographic regions and or new partner sources while ensuring portfolio resilience Monitor portfolio performance refining strategies to minimize defaults while maximizing credit access for the underserved REQUIREMENTS Bachelor s Degree in Engineering Mathematics Economics Finance or other analytical discipline advanced degree in a quantitative discipline is a plus 3 years of experience in an analytic role preferably in risk management of the financial services industry Very strong attention to detail experience developing processes to implement strategy A self-starter - you naturally take ownership look for opportunities and drive recommendations through execution Adaptive to a fast-changing setting and have the drive to get things done Flexible in prioritizing work managing multiple tasks and meeting deadlines Excellent SQL or similar language programming skills proficiency in Python is a plus Advanced Microsoft Excel and PowerPoint skills Strong written and verbal communication skills We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race age color religion gender national origin disability sexual orientation veteran status or any other category protected by the laws or regulations in the locations where we operate California applicants can find a copy of Oportun s CCPA Notice here We will never request personal identifiable information bank credit card etc before you are hired We do not charge you for pre-employment fees such as background checks training or equipment If you think you have been a victim of fraud by someone posing as us please report your experience to the FBI s Internet Crime Complaint Center IC3