Risk Manager

The Risk Manager is responsible for the performance of one or more of PayJoy’s portfolios, using a data warehouse to build analysis, policy recommendations, pricing and controls that optimize risk outcomes for business and in future new markets.

Responsibilities

• Use SQL and R or Python to extract and manipulate data to make data-driven, actionable recommendations about how to improve outcomes.
• Make actionable recommendations about how to improve outcomes based on data analysis and a deep understanding of how our product works.
• Work closely with the Data Science team to price and implement ML and AI models that optimize portfolio outcomes.
• Define, implement and monitor A/B Tests with the product and marketing team that will improve our product and help us reach more customers.
• Write succinct and thoughtful documentation that explains your recommendations.
• Own risk KPIs for one or more portfolios.

Requirements

• Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar quantitative field.
• 4+ years of experience in risk management functions in fintech or commercial banking, working with credit cards or other consumer lending products.
• Experience working with Credit Limit Increase programs and with scaling products from 0 to scale in a fast-paced startup environment is a plus.
• End-to-end problem-solving skills, including framing of the problem, analytical research, discussion/debate and the ability to present solutions to cross-functional stakeholders at all levels of the organization.
• Understanding of statistical tools and methods, and experience working with large data sets.
• Mastery SQL, Python and other tools for Data Analysis.

Benefits

• *Local benefits will vary depending of the country of hiring.
• Phone finance, Headphone, home office equipment and fitness perks.
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk