Qualifications
Responsibilities:Formulate business strategies that drive growth, profitability, and competitive advantage.Develop and implement innovative product and pricing strategies across diverse lending products.Create and maintain valuations and risk models, enhancing credit performance through rigorous data analysis and hypothesis testing.Collaborate across business lines to deliver strategic objectives, build business requirements, and execute plans effectively.Ideal candidates will possess a strong strategic and analytical mindset, along with a proven track record in data-driven decision-making and problem-solving. The ability to leverage a high-performing team and collaborate with business partners is essential, as is the capacity to thrive in a fast-paced, entrepreneurial environment.Qualifications:Bachelor’s Degree in a quantitative field (e.g., Business, Math, Economics, Finance, Statistics, Science, Engineering). A Master’s Degree is advantageous.Minimum of 3 years' experience in quantitative and qualitative analysis within credit risk or portfolio management in credit cards and personal loans.Proficient analytical skills in SAS, SQL, R, or Python, with hands-on experience in decision tree analyses and segmentation tools.
About the job
About Yendo
Welcome to Yendo, where we aim to empower individuals to secure a brighter financial future. Since our inception less than two years ago, we have successfully saved our customers over $100 million in unnecessary interest charges and fees.
Leveraging the capabilities of AI, we are dedicated to creating credit card products tailored for those typically overlooked by conventional financial services. Our offerings mirror the advantages of prime borrower cards, featuring no hidden fees and limits that are four times higher than those commonly available to non-prime borrowers.
Role Overview
As a pivotal member of our Credit team, you will harness your strategic and analytical expertise to redefine traditional lending practices. You will take charge of comprehensive credit policy initiatives encompassing approval/decline processes, line assignment, pricing strategies, loss mitigation, modeling, and valuations.
We seek candidates who are passionate about deriving business insights through data analytics, critical thinking, and strong business acumen.
About Yendo
At Yendo, we are on a mission to revolutionize financial accessibility and empower individuals with innovative credit solutions. Our unique approach combines cutting-edge technology with a commitment to transparency, ensuring that our customers can confidently navigate their financial journeys.
