Thrive Financial, Inc - Credit Risk Manager/Senior Analyst
Requirements
• Have three or more years working in a lending analytics roles with at least two years spent working in a risk environment where the consumer credit risk isn’t the whole story • Have earned increased responsibility or promotions through performance, not tenure • Have worked in an early-stage company (or equivalent environment) where structure was minimal and initiative mattered, or can clearly demonstrate that you’ve succeeded without heavy process or support • Are comfortable wearing multiple hats today, with an eye toward building and leading a team in the future • You are a SQL and/or Python wizard • Are passionate about leveraging AI and automation to build lean and scalable risk analytics programs
Responsibilities
• Build out analytics and procedures to monitor credit performance and uncover opportunities to protect Thrive’s bottom line • Produce reporting and dashboards that effectively communicate credit risk trends to a variety of stakeholders • Monitor and enhance credit underwriting models • Update loss forecasting estimates and analyze portfolio profitability • Identify improvements for more efficient customer underwriting to reduce friction while maintaining decision integrity • Leverage automation and AI to drive more insights with less overhead
Benefits
• High-impact opportunity to shape risk strategy at an early stage - you are here to take us from 10 to 100 • Path to expanded scope and people leadership as the company scales • Mission-driven fintech focused on enabling responsible, accessible financing • Fully remote, highly collaborative environment with room to grow • At Thrive, our best teammates embody GRIT: • Get things done You are self-directed, proactive, and biased toward action. You don’t wait for perfect conditions to move forward. • Respect each other You lead with humility and empathy — whether working with contractors, teammates, or leadership. • Intellectual curiosity You ask thoughtful questions, seek context, and enjoy learning new industries, products, and customer needs in order to make practical, informed decisions. • Teamwork You believe the best results come from shared ownership, open communication, and learning together. • As a Credit Risk Manager/Senior Analyst, you also bring: • Trustworthiness You prioritize long-term relationships, follow through on commitments, and ensure alignment across stakeholders. • Collaboration You actively invite diverse perspectives and use them to arrive at better solutions — for customers and for the business. • Stewardship You approach your work with a servant mindset, focused on supporting contractors, teammates, and the broader mission of responsible financial access. • We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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