Credit Risk & Business Analyst

Credit Risk Analyst

A leading financial institution is seeking a Credit Risk / Business Intelligence Analyst to support data-driven decision-making across its lending portfolios. This role blends quantitative analysis, portfolio monitoring, and business intelligence to strengthen credit strategy, underwriting quality, and overall risk management

• NO SPONSORSHIP
• REQUIRES EXPERT WITH SQL
• ONSITE 4 DAYS A WEEK in NJ or NYC office
• Salary to 130K

What You'll Do

• Analyze credit portfolio performance across consumer, small business, and commercial lending to identify trends, emerging risks, and opportunities for improved credit strategy.
• Develop and maintain dashboards, scorecards, and reporting tools that provide visibility into credit quality, delinquency trends, loss forecasting, and portfolio segmentation
• Build and optimize data pipelines that support scalable, high-quality credit risk analytics across multiple lending products
• Validate data accuracy and ensure alignment with internal credit policies, regulatory expectations, and risk frameworks
• Partner with underwriting, credit policy, loan operations, and finance teams to translate business needs into analytical insights and actionable recommendations
• Support credit strategy initiatives, including changes to underwriting criteria, pricing models, exposure limits, and portfolio monitoring processes
• Respond to ad hoc data requests related to loan performance, borrower behavior, and credit exposure using SQL
• Contribute to a strong risk-aware culture by mentoring analysts and elevating analytical maturity across the organizati

Requirements:

• Quant degree
• Min 3 years of experience in credit risk analytics, portfolio analytics, lending analytics, or a related quantitative roleHands-on experience with data visualization tools (Tableau, Power BI, Qlik) and the ability to design intuitive dashboards for credit and lending stakeholders
• Strong SQL skills and experience working with large datasets in cloud environments (preferably Snowflake); Python, Hive, or similar languages a plus
• High attention to detail with the ability to investigate anomalies, validate data, and produce accurate credit insights
• Strong analytical and problem-solving skills, with the ability to make data-driven recommendations that influence lending decisions.
• Ability to collaborate effectively with credit, lending, finance, and technology partners.
• Excellent communication skills, with the ability to translate complex data into clear business narratives
• Knowledge of lending products, credit lifecycle processes, underwriting workflows, loan servicing, and core banking systems.

Email resume to ilana@analyticrecruiting.com