Lead Credit Pricing & Analytics Analyst

We are seeking a Lead Analyst to join our Credit Pricing & Analytics team, focusing on optimizing credit risk underwriting and pricing strategies. This is an exciting opportunity to drive significant business results through the refinement of approval/decline processes, loan amount assignment, term, pricing, and risk appetite framework optimization. The goal is to foster healthy revenue growth, mitigate losses, and streamline processes for improved profitability and a robust lending portfolio.

This position requires the ability to work in a hybrid onsite schedule from either of the following locations:

• Hybrid (Wilmington, DE; Baltimore, MD; NYC)

This is a full time, permanent position offering standard benefits.

Working with various partners, this role will be responsible for reporting, strategy implementation, strategy validation, and conducting ad-hoc analyses including customer segmentation, competitive analysis, sensitivity analysis, and modeling. This individual will expand their competencies and grow their business and industry acumen, demonstrating the ability to work on complex processes or projects across the end-to-end project cycle. They will gain knowledge to suggest new answers to traditional questions, develop insights, and push the boundaries of the lending industry.

• Design, recommend, document, and execute consumer credit underwriting and pricing strategies by extracting and analyzing requisite historical customer performance data from multiple disparate systems.
• Utilize data query tools and decision tree analytical software to develop, test, and execute new strategies.
• Leverage traditional regression models and machine learning algorithms to understand key drivers and estimate customer behaviors by different strategy treatment.
• Drive profitable business growth by developing strategy optimization frameworks with a full credit-cycle view.
• Implement Quality Control processes to ensure data accuracy.
• Continually enhance existing processes and reporting through automation, quality control, presentation, and insights.
• Effectively summarize and present results and insights to management.

Requirements/Must-Haves

• Bachelor's Degree (Graduate preferred) in a quantitative discipline such as Engineering, Statistics, Economics, or Computer Science.
• 4+ years of relevant analytical experience in a complex, data-driven problem-solving environment.
• Strong SQL, SAS, and Excel skills.
• Innovative and capable of developing a highly analytical approach to solving problems.

Preferences/Nice-to-Haves

• Experience with multiple types of relational databases, BI tools/platforms, and/or additional programming languages (e.g., R, MATLAB, Python).
• Lending or consumer finance industry experience.

• SQL
• SAS
• Excel
• Data Analysis
• Credit Risk Analytics
• Underwriting Strategy
• Pricing Strategy
• Regression Modeling
• Machine Learning Algorithms
• Data Query Tools
• Financial Services Industry Knowledge
• Problem Solving
• Reporting & Presentation
• Quality Control

Equal Opportunity Employer: Race, Color, Religion, Sex, Sexual Orientation, Gender Identity, National Origin, Age, Genetic Information, Disability, Protected Veteran Status, or any other legally protected group status.

At Randstad Digital, we welcome people of all abilities and want to ensure that our hiring and interview process meets the needs of all applicants. If you require a reasonable accommodation to make your application or interview experience a great one, please contact

Pay offered to a successful candidate will be based on several factors including the candidate's education, work experience, work location, specific job duties, certifications, etc. In addition, Randstad Digital offers a comprehensive benefits package, including: medical, prescription, dental, vision, AD&D, and life insurance offerings, short-term disability, and a 401K plan (all benefits are based on eligibility).

This posting is open for thirty (30) days.