About the job
About Us:
Real (Nasdaq: REAX) is a rapidly expanding, publicly traded global real estate brokerage that integrates technology with human expertise to redefine the residential real estate experience. Established in 2014, we operate across the U.S., Canada, India, and the District of Columbia, leading the industry with our innovative platform that empowers real estate agents, streamlines the buying and selling process, and opens up new financial opportunities.
At Real, we are committed to blending Technology and Humanity to create exceptional experiences.
Discover more about us at https://www.onereal.com/
Work Hours: Standard business hours based on your local time zone, Monday to Friday.
Role Overview:
We are seeking a detail-oriented and analytical Credit Risk Manager to establish the foundational analytical framework for Real Wallet Capital, our innovative credit solution tailored for real estate agents.
This is a pioneering role focused on development rather than maintenance. You will take ownership of credit analytics, transforming raw data into effective risk policies, strategic pricing, and predictive loss forecasting models. Your contributions will be pivotal in scaling a secure, industry-leading lending business from the ground up.
If you are proficient in AI, SQL, and Python, have a passion for credit strategy, excel in dynamic environments, and aspire to redefine financial products for real estate agents, we would love to connect with you.
Your Responsibilities:
Develop the Risk Framework: Create and manage the analytical infrastructure for credit risk, including underwriting models, loss forecasting, and credit policy formulation using SQL and Python.
Assess Portfolio Performance: Design detailed dashboards (Sigma, Looker, or equivalent) to monitor repayment patterns, vintage performance, delinquency rates, and overall unit economics.
Strategize and Optimize: Evaluate product performance and suggest data-driven enhancements to product designs that maximize funding potential while mitigating risks.
Lead Market Analysis for New Products: Perform in-depth assessments of market segments and risk profiles to assist in the design and launch of future financial products for real estate agents.
Collaborate Across Teams: Work with cross-functional teams to ensure alignment on risk strategies and product development initiatives.

