credit risk analyst

A Company in Oxnard, CA

<p><b>ABOUT AG RX</b></p><p>AG RX is a leading agricultural services company dedicated to helping growers maximize crop health and productivity through innovative crop protection solutions, professional application services, and exceptional customer support. With locations throughout California, we are committed to safety, integrity, operational excellence, and delivering quality service to our customers.</p><p>As an Employee Stock Ownership Plan (ESOP) company, our employees are more than team members&mdash;they are employee-owners who share in the success of our company. We foster a collaborative work environment where employees are empowered to grow professionally, contribute new ideas, and make a meaningful impact every day.</p><p><b>Job Overview</b></p><p>We are seeking a highly analytical and detail-oriented <b>Accounts Receivable / Credit Risk Analyst</b> to join our Accounting team. Under the direction of the Accounting Manager, this hybrid role supports accounts receivable processes while evaluating customer credit risk and assisting with credit decision-making. The successful candidate will collect and analyze financial information, assess creditworthiness, monitor customer accounts, prepare credit reports, and support recommendations related to credit limits and payment terms. This position requires strong analytical skills, attention to detail, and the ability to collaborate effectively with internal teams and customers in a fast-paced environment.</p><p><b>ESSENTIAL DUTIES AND RESPONSIBILITIES</b></p><ul><li>Prepares, posts, verifies, and records customer payments and accounts receivable transactions.</li><li>Creates and submits customer invoices in accordance with company procedures.</li><li>Maintains and updates customer account information.</li><li>Monitors customer accounts, researches discrepancies, and resolves billing issues.</li><li>Contacts customers regarding past-due accounts and follows up on collection efforts.</li><li>Gathers, analyzes, and evaluates financial information to determine the creditworthiness of new and existing credit applicants.</li><li>Performs cash flow analysis and calculates financial ratios to assess credit risk.</li><li>Recommends credit decisions, including new accounts, credit limit increases, and extensions of existing credit lines.</li><li>Enters, updates, and maintains credit application and customer account information.</li><li>Collaborates with the Accounting Manager to reconcile accounts receivable and revenue accounts.</li><li>Assists in preparing monthly billing statements and financial reports.</li><li>Ensures compliance with company credit policies and applicable procedures.</li><li>Responds to inquiries from customers, lenders, and internal departments.</li><li>Assists with internal and external audits by providing requested documentation and supporting records.</li><li>Performs other related duties as assigned.</li></ul><p><b>QUALIFICATIONS</b></p><p><b>Education</b>&ndash; Associate&rsquo;s degree in accounting required; Certified Credit Risk Analyst Certification, or Bachelor&rsquo;s degree in Accounting preferred.</p><p><b>Experience</b> &ndash; Minimum of five (5) years of progressively responsible experience in accounts receivable, credit and collections, credit analysis, or general accounting required</p><p><b>REQUIRED SKILLS/ABILITIES </b></p><ul><li>Strong analytical, problem-solving, and critical thinking skills.</li><li>Excellent verbal and written communication skills.</li><li>Strong organizational skills with exceptional attention to detail and accuracy.</li><li>Effective time management skills with the ability to prioritize multiple tasks and meet deadlines.</li><li>Ability to work independently while contributing effectively as part of a team.</li><li>Ability to exercise sound judgment, maintain professionalism, and handle confidential information with discretion.</li><li>Demonstrated initiative with the ability to anticipate work needs and identify process improvements.</li><li>Strong customer service skills with the ability to build and maintain positive working relationships.</li><li>Advanced computer skills with experience and working knowledge of Word, Excel, and Outlook. Experience in Agvance accounting software is helpful but not a requirement.</li><li>Ability to operate standard office equipment, including computers, 10-key calculators, copiers, and other office technology.</li><li>Ability to perform effectively in a fast-paced, deadline-driven environment.</li><li>Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.</li><li>Ability to speak Spanish is helpful but not required.</li></ul><p><b>Why Join AG RX?</b></p><p>At AG RX, we believe our people are our greatest asset. We are committed to providing a supportive, team-oriented workplace where employees can grow their careers while contributing to the success of California agriculture.</p><p><b>We offer a competitive benefits package, including:</b></p><ul><li>Employee Stock Ownership Plan (ESOP)</li><li>Medical, dental, and vision insurance</li><li>401(k) retirement plan</li><li>Paid time off and paid holidays</li><li>Opportunities for professional growth and development</li><li>A collaborative, safety-focused workplace culture</li></ul><p>AG RX is an Equal Opportunity Employer and is committed to creating an inclusive workplace for all employees. Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable federal, state, or local law.</p><p>If you are a motivated accounting professional who enjoys combining financial analysis with customer-focused solutions, we encourage you to apply and become part of the AG RX team. Join us in supporting California agriculture while building a rewarding career with an employee-owned company.</p><p>Pay: $28.50 - $35.00 per hour</p><p>Benefits:</p><ul><li>401(k) matching</li><li>Dependent care reimbursement</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Life insurance</li><li>Professional development assistance</li><li>Referral program</li><li>Retirement plan</li></ul><p>Work Location: In person</p>

Accounts Receivable / Credit Risk Analyst

Bounce AI

<div><p>The Credit Portfolio Risk Analyst will be one of the first people to build Bounce's risk function from the ground up &mdash; the person whose analyses decides where our capital actually gets deployed. Bounce operates in a $100B+ debt collection market, buying and managing real portfolios today, so this is live capital decisions from week one, not a function you&rsquo;re prototyping in theory. Reporting directly to the Chief Risk Officer, you will assess new opportunities to deploy substantial capital into debt portfolio acquisitions and ensure those investments deliver against their expected returns.</p><p>
You will underwrite incoming portfolios, forecast expected collections, develop pricing recommendations, and partner closely with the CRO and Data Science team to make disciplined, data-driven, and clearly supportable bid decisions. Once portfolios are acquired, you will own tracking performance against target IRR and MOIC, identify potential shortfalls early, and connect return gaps to their underlying operation, financial, or portfolio-level drivers &mdash; not just run the numbers, but call the shots on what they mean.</p><p>
As an early member of the risk function, you will help establish the underwriting standards, analytical methodologies, reporting cadence, and decision-making processes that make this work repeatable, scalable, and actionable across the organization. This is a rare opportunity to directly influence capital allocation and investment decisions as we evaluate opportunities to deploy $100M+ annually purchasing from the largest fintechs, banks, and credit unions. This is the right role for you if you have an investment banking, credit risk, or structured finance background and want your models to drive real capital decisions instead of feeding someone else&rsquo;s deck. High-ownership, zero-to-one work with an outsized impact on Bounce&rsquo;s growth.</p><br>
Requirements:
<br>
<ul><li>4+ years of experience in credit risk, portfolio analytics, structured or specialty finance, acquisitions, investment banking, private credit, or a related field within a debt buyer, lender, consumer credit firm, credit fund, distressed investing, CLO, or bond-trading environment.</li><li>
Bachelor&rsquo;s degree in Finance, Economics, Accounting, Mathematics, Statistics, Data Science, Engineering, or another quantitative field.</li><li>
Strong SQL skills with the ability to independently write non-trivial queries (joins, window functions, date logic, cohort aggregation) against a large warehouse.</li><li>
Strong financial modeling skills, including IRR, MOIC, NPV, cash flow, sensitivity, and vintage analysis.</li><li>
Advanced Excel skills and comfort working with large, imperfect loan-level or transaction-level datasets.</li><li>
Understanding of credit fundamentals; experience with consumer credit, collections economics, recovery curves, roll rates, or cost to collect is a plus.</li><li>
Strong analytical judgment and the ability to clearly explain and defend recommendations to leadership.</li><li>
Highly organized, detail-oriented, and comfortable managing multiple priorities in a fast-paced environment.</li><li>
Interest in fintech, credit investing, consumer finance, or debt recovery.</li></ul><br>
About Us:<br>
<br>
<p><b>Bounce</b> is a fintech startup revolutionizing debt recovery for consumers and creditors with our best-in-class product. By leveraging the power of AI and automation, we create user-friendly experiences that drive positive outcomes for all parties involved.</p><p>
With a team based in Israel and New York, we have been growing rapidly. We support hundreds of thousands of consumers on their journey to financial resilience and build partnerships with top creditors and fintech companies.</p><br>
How You&rsquo;ll Spend Your Time:<br>
<br>
<p><b>Acquisition Underwriting</b></p><ul><li>
Evaluate incoming debt-sale opportunities by building loan-level and cohort-level collection and cash-flow forecasts and recommending bid pricing, expressed in cents on the dollar.</li><li>
Stratify portfolios by product type, balance band, delinquency/age, state (statute-of-limitations exposure), and account attributes to understand what drives value.</li><li>
Run seller data due diligence: completeness and fill rates, balance reconciliation to the tape, documentation/media availability, chain of title, bankruptcy/deceased scrubs, and prior placement history.</li><li>
Build return models &mdash; IRR, MOIC, NPV/discounting, hurdle achievement &mdash; and stress-test the assumptions that matter most.</li><li>
Translate underwriting assumptions into explicit, monitorable post-purchase expectations so we can later measure actual vs. underwritten.</li></ul><p><b>
Portfolio Surveillance</b></p><ul><li>
Track actual collection curves against underwritten curves by batch and vintage.</li><li>
Maintain IRR/MOIC tracking against hurdle targets; flag underperformance early.</li><li>
Partner with Data Science on estimated remaining collections (ERC) recalibration.</li><li>
Diagnose return gaps by connecting them to operational drivers (outreach cadence, right-party contact, conversion, break/keep rates) and population factors (bankruptcy, bad contact data).</li><li>
Produce recurring portfolio-risk reporting for leadership.</li></ul><p><b>
Building the Function</b></p><ul><li>
Help establish the risk playbook: underwriting standards, pricing methodology, monitoring cadence, and escalation thresholds.</li><li>
Codify reusable analyses and write documentation for clarity and replicability.</li><li>
Work with leadership to define risk appetite and the guardrails around it.</li></ul><br>
What We Offer:
<br>
<ul><li>Competitive salary range of $100k-$120k with eligibility for a discretionary bonus</li><li>
Comprehensive benefits package</li><li>
401K + 5% Match</li><li>
Competitive PTO plan</li><li>
Collaborative and innovative hybrid working environment</li><li>
Opportunity to grow in your career with a growing company</li></ul><p>
Bounce is an equal opportunity employer that is dedicated to diversity and inclusion. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.</p><br>
Address:
<br>
1140 Broadway, 10th Floor, Suite #1003, NY NY, 1001</div>

Credit Portfolio Risk Analyst

Irving Fund

<div>
 <p>
  <strong>
   Company Description
  </strong>
 </p>
 <p>
  Founded in 2016, Irving Fund is a leading facilitator of Credit Based SBA 7(a) Loans and Revolving Credit Facilities. Irving Fund has facilitated over $1 billion in SBA 7(a), Credit Lines, and non-bank term loans, streamlining the lending process for banks and partners.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Credit Analyst &ndash; Hybrid (4 Days In-Office, 1 Days Remote) | Full Benefits
  </strong>
 </p>
 <p>
  We are seeking a
  <strong>
   Credit Analyst
  </strong>
  to join our growing team. This
  <strong>
   hybrid role (4 days in-office, 1 days remote)
  </strong>
  combines
  <strong>
   financial analysis
  </strong>
  with
  <strong>
   customer interaction
  </strong>
  , making it ideal for professionals who excel in both
  <strong>
   data-driven decision-making
  </strong>
  and
  <strong>
   client communication
  </strong>
  .
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities:
  </strong>
 </p>
 <ul>
  <li>
   Analyze financial statements and credit profiles to assess risk and determine eligibility for small business financing.
  </li>
  <li>
   Communicate directly with business owners to gather necessary information and provide guidance throughout the funding process.
  </li>
  <li>
   Collaborate with the sales and underwriting teams to structure financing solutions that align with company policies and risk guidelines.
  </li>
 </ul>
 <p>
  <strong>
   Qualifications:
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in
   <strong>
    Finance, Business, Economics,
   </strong>
   or a related field.
  </li>
  <li>
   Strong
   <strong>
    analytical skills
   </strong>
   with the ability to assess financial data and risk factors.
  </li>
  <li>
   Excellent
   <strong>
    communication and interpersonal skills
   </strong>
   to interact with business owners and internal teams.
  </li>
  <li>
   Ability to work in a
   <strong>
    fast-paced environment
   </strong>
   and manage multiple tasks efficiently.
  </li>
  <li>
   Prior experience in roles requiring
   <strong>
    financial analysis, problem-solving, or client interaction
   </strong>
   is a plus.
  </li>
 </ul>
 <p>
  <strong>
   What We Offer:
  </strong>
 </p>
 <ul>
  <li>
   <strong>
    Hybrid Work Schedule
   </strong>
   &ndash; 4 days in-office, 1 days remote.
  </li>
  <li>
   <strong>
    Comprehensive Benefits Package
   </strong>
   &ndash; Health, dental, vision,
   <strong>
    401(k)
   </strong>
   , and more.
  </li>
  <li>
   <strong>
    Professional Growth
   </strong>
   &ndash; Opportunities for advancement within a growing organization.
  </li>
  <li>
   <strong>
    Competitive Compensation
   </strong>
   &ndash; Salary plus potential performance-based incentives.
  </li>
 </ul>
 <p>
  If you are looking for an opportunity to leverage your
  <strong>
   financial expertise
  </strong>
  while engaging directly with business owners, we encourage you to apply.
 </p>
 <p>
  <strong>
   Apply now to join our team!
  </strong>
 </p>
</div>


Credit Analyst

Ives Bank

<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p>The <b>Senior</b> <b>Commercial Credit Analyst</b> is responsible for successfully evaluating the financial condition of commercial borrowers, underwriting loan requests and preparing a timely and high-quality credit approval memorandum, adhering to the Bank's credit policies and procedures.</p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><p></p><p><b><br>
Key Responsibilities:</b></p><div><ul><li>
Analyze financial information of prospective and existing borrowers and underwrite commercial loans in conformance with Loan Policy, including loan renewals, loan modifications and Loan Reviews</li><li>
Spread and analyze financial information, and develop cash flows of prospective and existing borrowers</li><li>
Prepare credit approval memorandums, review all pertinent credit and financial information, including but not limited to financial statements, tax returns, collateral, cash flow, due diligence reports, credit bureaus, appraisals, industry research, peer data, and other appropriate information of borrowers and guarantors, assessing credit risk, if credit-worthy, underwriting in conformance with Loan Policy and presenting loan requests to appropriate loan authority level</li><li>
Analyze financial information and related materials and complete the credit analyses for the Bank&rsquo;s commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals</li><li>
Analyze and make recommendations to management regarding credit issues</li><li>
Work directly with Commercial Lending Officers to obtain all necessary information needed to underwrite loan requests</li><li>
Prepare Quarterly Reporting and Action Plans</li><li>
Communicate with borrowers, accountants, management and bank staff as needed for credit investigations</li><li>
Is aware of and complies with CRA/HMDA Guidelines/Flood Insurance/Appraisal Regulations and adheres to Bank policies and procedures</li><li>
Perform other duties as required</li></ul></div><p></p><p><b><br>
Educational and Experience requirements include:</b></p><div><ul><li>
A bachelor&rsquo;s degree is required preferably in Accounting, Finance or Economics with ancillary banking education preferred</li><li>
Minimum 5 years of related commercial underwriting experience. Experience in special assets is a plus</li><li>
Knowledge of financial statement fundamentals, accounting concepts, and financial statement analysis required</li></ul></div><div><ul><li>
Proficiency in Microsoft Office</li><li>
Excellent written and verbal communication skills</li><li>
Critical thinking and evaluation skills</li><li>
The ability to work well with others but can also work independently</li></ul><p></p><p><b><br>
Physical Demands and Work Environment</b></p><p>
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p></div></div></div></div></div></div><br>
Monday-Friday</div>

Senior Commercial Credit Analyst

Global Lending Services

<div><div><b>***This posting is to enter our campus recruiting and entry-level process for position offers being made for 2026***</b></div>
<div></div>
<div><b>What does it mean to be a Business Analyst at GLS?</b></div>
<div>GLS is a highly analytic-driven company whose business model of providing auto loans to consumers through dealership partners has greatly thrived because of the great work our Analysts do. As an Analyst at GLS, you will work on solving important problems by deploying great critical thinking, education-based skill sets you&rsquo;ve worked hard to obtain, and your demonstrated ability to learn new ideas and domains and turn knowledge into applied solutions.</div>
<div></div>
<div>Analysts play various roles across our company, taking on a variety of assignments within GLS business and operational areas. You will interact with team members both within your own area and cross-functionally, learning how the business is run and how to drive improvements, while gaining solid exposure to senior management.</div>
<div></div>
<div><b>The day-to-day activities will vary based on the group but could include the following:</b></div>
<h3 class="jobSectionHeader"><b>Credit Risk, Pricing, and Partnership Business Analysts</b></h3><ul>
<li>Business Analysts in Credit Risk are responsible for analyzing and improving all aspects of the application processing, automated underwriting, and the pricing decision cycle within a highly competitive marketplace.</li>
<li>Business Analysts apply their data analytics and business acumen to support data-driven business decisions. They do this by leveraging multiple internal and external data sources, including both quantitative and qualitative data, and applying a broad range of skills such as visual analytics, estimation and simulation procedures, competitive analysis, etc.</li>
<li>Business Analysts are often asking and analytically answering questions such as:</li>
<li>What type of change is needed to optimize profit, or drive more volume?</li>
<li>How can we better understand the impacts of the changes we&rsquo;ve made in the past?</li>
<li>What new product features and offerings will be more compelling to our dealer-partners?</li>
<li>What insights can we gain from our competitors?</li>
<li>What KPI&rsquo;s should be developed?</li>
<li>What are those KPI trends telling us?</li>
</ul><h3 class="jobSectionHeader"><b>What should you already have to be successful in this role?</b></h3><ul>
<li>Bachelor&rsquo;s degree in Statistics, Mathematics, Economics, Finance, Engineering, Computer Science, Information Technology, or a related field required</li>
<li>Proficient computer skills and ability to quickly learn new computer applications as required</li>
<li>Working knowledge of SQL and/or Python preferred</li>
<li>Strong written and verbal communication skills with the ability to present ideas in a cohesive business-focused and user-friendly language</li>
<li>Internally motivated with a demonstrated ability to take initiative, identify needs, make recommendations for improvement, see recommendations through implementation, and evaluate improvements for effectiveness</li>
<li>Exceptional interpersonal skills: friendly and tactful with the ability to influence others, effectively manage conflict, exercise sound judgment, effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business</li>
</ul><h3 class="jobSectionHeader"><b>Employment Requirements:
</b></h3><ul><li>This is an exempt level position whereby business need will dictate the exact work schedule which should be expected to vary at times. Generally, days and hours of work are Monday through Friday between the hours of 9:00am-6:00pm.</li>
<li>Regular, predictable attendance is required, including overtime hours as business demands dictate</li>
<li>Evening and weekend work may be required as job duties demand</li>
<li>The position does not require travel</li>
<li>Significant portions of daily assignments involve application of manual skills requiring motor coordination in combination with finger dexterity</li>
<li>Remain in a stationary position up to 100% of the workday</li>
<li>Constantly operate a computer and other standard office equipment</li></ul></div>

Business Analyst

Synchrony

<div><div><div><h2 class="jobSectionHeader"><b>Overview</b></h2>
<ul><li>Location: Chicago, Illinois; Stamford, Connecticut; Lake Mary, Florida; Alpharetta, Georgia; New York, New York; Charlotte, North Carolina; Canton, Ohio; West Chester, Ohio; Dallas, Texas; Draper, Utah</li>
<li>Salary: 85,000.00 - 140,000.00 USD Annual</li>
</ul></div></div><div><div><div><div><div><h2 class="jobSectionHeader"><b>About Us</b></h2>
<p>Synchrony is more than a financial services company, we&rsquo;re a team of passionate innovators committed to delivering best-in-class solutions that support millions of customers across the U.S. With a bold focus on technology, data, and digital innovation, we create meaningful experiences that simplify lives and enable financial wellness.</p>
<p>When you join Synchrony, you become part of an inclusive culture where your voice matters, your growth is championed, and your work drives impactful results.</p>
</div></div></div></div></div><div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<div><div><div>Job ID</div>
<div>2602127</div>
</div><div><div>Category</div>
<div>Credit &amp; Risk</div>
</div><div><div>Date posted</div>
<div>07/29/2026</div>
</div></div><p></p><div><p><b>Role Summary/Purpose:
</b></p><p></p><p>Synchrony's Credit and Capital Management group is looking for a data scientist / credit risk modeling professional experienced with executing, maintaining and developing models under the relevant regulatory guidance (SR 11-7 / OCC 2011-12, CECL, CCAR, DFAST). This role is part of Credit and Capital Management, in the Reserves &amp; Loss forecasting team. The role requires demonstrated expertise with data, statistical analysis and model development, as well as programming skills (Python/Pandas, Spark, Hadoop, SQL, Linux).</p>
<p></p><p>The primary focus of this role is on the quarterly reserve development process, as well as planning sessions involving loss forecast and reserve estimate projections. As lead analyst, the role is responsible for executing critical credit estimation models on a quarterly basis, providing analytical input to development of estimates of Credit and Fraud Losses by executing complex statistical, trend-based models with forward looking features.This role analyses trends and drivers of changes across the entire Synchrony portfolio and all products. In addition, robust collateral is required to be produced in support of process risk controls and related documentation as part of effective governance, as well as internal and external review.</p>
<p></p><p>The lead analyst will collaborate across different functions in Credit &amp; Capital Management, with IT and model development to manage model enhancements and big data processing.</p>
<p></p><p>The person will use their model knowledge, business analysis and process experience to ensure business intent is matched with sound estimates, and communicate with peers and functional leaders, as well as document assumptions and methods to meet accounting rules and model risk management guidelines.</p>
<p></p><p><b>Essential Responsibilities:
</b></p><ul><li>Plan and execute models in the production Reserves and Loss Forecasting process with a focus on CECL, as well as allied quantitative estimates such as recoveries and scenario management and stress testing</li>
<li>Maintain model data input monitoring, production controls and output analytics including results analysis along with robust documentation of key facets</li>
<li>Support quarterly review process and quarter closing activities, as well as contribute to effective process controls as peer reviewer</li>
<li>Visualize insights, performance, and trends in inputs/outputs for effective communication and decisioning</li>
<li>Drive understanding of drivers and providing narrative support for the assumptions, rationale, and projections to model owners and sponsors</li>
<li>Assist with responding to model validation, regulatory or other oversight requests, including exam findings or issues. Adhere to and follow model governance standards</li>
<li>Support the development of new models or enhancements to existing models</li>
<li>Aid management of models through their lifecycle, from development phase through to implementation into production and outline enhancements for evaluation and future model releases. Meet project timelines, engage in ongoing analysis, find performance thresholds, manage model version control, performance assessments, seek out opportunities for process and model improvements, collaborate on model re-calibrations, and re-fits when business dynamics change</li>
<li>Collaborate with other cross functional teams &ndash; Forecasting an, Reserve and Stress Testing/Capital Management teams, Model Development, Data Governance, Finance, Collections and Controllership</li>
<li>Perform other duties and/or special projects as assigned</li>
</ul><p></p><p><b>Qualifications/Requirements:
</b></p><ul><li>Bachelor's degree with quantitative underpinning (i.e., Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) and 5+ years of experience in Programming / Analytics ideally in support of Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience or in lieu of degree 9+ years of experience in Risk, Credit, Finance, Accounting or Consumer Lending</li>
<li>5+ years&rsquo; experience demonstrating strong programing skills in SQL, Python, Spark with. Proven hands-on experience utilizing using SQL, Python, Spark, Linux, to perform statistical analysis, query relational databases, and manage large amounts of data</li>
<li><b>Ability and flexibility to travel for business as required</b></li>
</ul><p></p><p><b>Desired Characteristics:
</b></p><ul><li>Excellent time management with ability to manage multiple competing initiatives and deliver results within deadlines with accuracy and attention to detail</li>
<li>Experience in process improvement, project management or change management</li>
<li>Familiarity with Model Governance trends/developments across the banking sector, especially as related to credit card or consumer lending (SR11-7)</li>
<li>Strong communication skills to facilitate complex discussions in productive and collaborative manner</li>
<li>Positive mindset under tight timelines and critical deliverables</li>
<li>Experience with Linux, HDFS and AWS to collaborate and operate in a cloud computing environment</li>
</ul><p></p><p><b>Grade/Level: 09</b></p>
<p></p><p>The salary range for this position is <b>85,000.00 - 140,000.00</b> USD Annual and is eligible for an annual bonus based on individual and company performance.</p>
<p></p><p>Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge.</p>
<p></p><p>Salaries are adjusted according to market in CA, NY Metro and Seattle.</p>
<p></p><p><b>Our Way of Working</b><b>:</b></p>
<p>We&rsquo;re proud to offer you flexibility. At Synchrony, our way of working allows you to have the option to work from home near one of our Hubs or come into one of our offices. You will be required to commute to your nearest Hub (either virtual or physical) for in-person engagement activities such as regular business or team meetings, training and culture events.</p>
<p></p><ul><li>Field Sales and some Commercial team roles may have varied location requirements based upon partner obligations or preferences.</li></ul>
<p></p><p><b>Eligibility Requirements:</b></p>
<ul><li>You must be 18 years or older</li>
<li>You must have a high school diploma or equivalent</li>
<li>You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process</li>
<li>You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act.</li>
<li>New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months&rsquo; time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months&rsquo; time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don&rsquo;t meet the time in position or performance expectations).</li>
</ul><p></p><p>Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.</p>
<p></p><p><b>Our Commitment:</b></p>
<p></p><p>When you join us, you&rsquo;ll be part of an inclusive culture where your individual skills, experience, and voice are not only heard &ndash; but valued. Together, we&rsquo;re building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow.</p>
<p></p><p>This starts when you choose to for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We&rsquo;re proud to have an award-winning culture for all.</p>
<p></p><p><b>Reasonable Accommodation Notice:
</b></p>Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to<ul><li> for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.</li>
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</ul><p></p><p><b>Job Family Group:</b></p>
Credit</div></div></div></div><p></p>

Senior Analyst, Credit Operations Modeling

Lendo

<div><p>As we continue to grow at Lendo, we&rsquo;re looking for a Credit Risk Manager to strengthen the integrity of our lending process and ensure sound credit decisions. In this key role, you&rsquo;ll evaluate client creditworthiness, assess risk across portfolios, and drive strategies to approve or reject loan requests with confidence and consistency.</p><p><b>
Key Responsibilities:</b></p><ul><li><p>
Conduct comprehensive credit assessments of SME financing applications through financial statement analysis, cash flow evaluation, and due diligence to determine creditworthiness.</p></li><li><p>
Review credit proposals to ensure they are complete, accurate, and compliant with Lendo's credit policies, underwriting standards, and regulatory requirements.</p></li><li><p>
Prepare clear, evidence-based credit recommendations for the Credit Committee, outlining key risks, mitigants, and approval or rejection rationale.</p></li><li><p>
Assess credit exposures to ensure alignment with Lendo's risk appetite, portfolio concentration limits, and internal risk rating framework.</p></li><li><p>
Monitor the performance and quality of the credit portfolio, identifying emerging risks, delinquency trends, and recommending appropriate mitigation strategies.</p></li><li><p>
Produce regular credit risk reports and portfolio insights, providing analysis on borrower performance, loan exposures, and overall portfolio quality.</p></li><li><p>
Support the ongoing enhancement of credit policies, underwriting frameworks, and risk management processes to improve consistency and decision quality.</p></li><li><p>
Collaborate with Sales, Credit Operations, Legal, and other internal stakeholders to ensure efficient credit decision-making while maintaining strong risk controls.</p></li><li><p>
Ensure all lending activities comply with SAMA regulations, internal governance requirements, and Shariah-compliant financing principles.</p></li></ul><p><b>
Qualifications:
</b></p><ul><li><p>Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.</p></li><li><p>
4&ndash;10 years of experience in a Credit Risk, Credit Underwriting, or similar lending-related role, preferably within a bank, financial institution, or FinTech.</p></li><li><p>
Strong understanding of invoice financing products and SME lending within a commercial financing environment.</p></li><li><p>
Good knowledge of the Saudi banking and financial services landscape, including credit bureau data and its application in credit assessment.</p></li><li><p>
Familiarity with the KSA regulatory environment and lending frameworks, including SAMA requirements and Shariah-compliant financing principles.</p></li><li><p>
Strong financial analysis and credit assessment skills, with the ability to interpret financial statements, cash flows, and borrower risk.</p></li><li><p>
Excellent analytical and problem-solving abilities, with strong attention to detail and sound commercial judgement.</p></li><li><p>
Excellent communication and stakeholder management skills, with the ability to present clear credit recommendations.</p></li><li><p>
Fluent in both Arabic and English (written and spoken).</p></li><li><p>
Proficient in Microsoft Excel and other reporting or credit analysis tools.</p></li></ul></div>

Credit Risk Manager

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