Senior Credit Risk Analyst

Job description

K-Dimensional Holdings Inc. dba Coast

Job duties:

• Analyze internal and external data—including credit bureau, financial, transactional, and application data

—to support and refine credit risk policies for underwriting, credit line adjustments, and account-level
decisioning.

• Help create best-in-class credit policies and risk management infrastructure.
• Design and manage data reporting frameworks related to credit risk and fraud by partnering with data

engineers and analytics teams.

• Contribute to the automation and optimization of credit risk operations by building decision frameworks

and supporting risk modeling.

• Conduct data-driven investigations into potential fraud incidents such as identity theft or account

takeovers.

• Perform root cause analysis to improve predictive capabilities for credit defaults and risk exposures.
• Collaborate cross-functionally with product, finance, legal, operations, sales, and marketing to develop

and implement credit-related strategies and policies.

• May telecommute within a reasonable commuting distance from the New York office.

Education and Experience required: Bachelor’s degree in Finance, Economics, Statistics, Applied
Mathematics, Computer Science, Data Science, Business Administration, Engineering, Actuarial Science,
Information Systems, or Management Science and 2 years in credit risk analysis or related occupation
within consumer or small and medium enterprise (SME) lending.

Background: 2 years of experience in the following:

1. Deploying a SQL and Python;
2. MS office applications;
3. Root cause and statistical analysis related to credit defaults and risk exposures;
4. Building and maintaining data pipelines, utilizing SQL and Python, that includes data cleansing,

wrangling, visualization, modeling, and interpretation related to credit risk and fraud;

1. dbt for data modeling and transformation related to credit risk and fraud;
2. Working with APIs;
3. Designing and managing data reporting frameworks related to credit risk and fraud;
4. Create underwriting and risk management strategies;
5. Investigating and evaluating efficiency of risk management policies, procedures, and processes; and
6. Partner with cross-functional teams to execute credit policies, improve operational tooling, and shape

the risk management infrastructure.

Location: New York, NY (May telecommute within a reasonable commuting distance from the New York
office)

Rate of pay: $90,000 to $140,000 per year