Lead Credit Analyst

Since 2018, Wisetack has been building transparent and intuitive consumer lending products that help service-based businesses thrive (think HVAC companies, veterinarians, or auto repair shops).

Our leadership team comes from top fintech companies such as Lending Club, Affirm, and Varo Money. And we’re backed by leading VCs, including Insight Partners, Greylock, Quadrille, and Bain Capital Ventures (investors in Airbnb, LinkedIn, Instagram, Dropbox, and more).

Having raised $84M, we’re a well-funded startup and have invested in people and technology while growing our partnerships — responsibly.

We’re also proud to have received recognition from the fintech world. Awards we’ve won include:

• Ranked #21 on 2024 Inc. 5000 based on revenue growth

• Ranked #15 on 2024 Deloitte Fast 500 based on revenue growth

• 2024 Best Embedded Finance Solution for Banking Tech Awards

• 2023 Best Consumer Lending Program by Tearsheet

• 2023 Best Point of Sale Product by Fintech Breakthrough

But what you’ll find us gleaming about the most is the recognition from our own customers, particularly our sky-high NPS rating of 79. (For reference, the average score is 44 for financial services and 36 for SaaS companies.)

As a result of our efforts in building this healthy company culture, we’ve been nominated to several Great Places to Work lists, such as Best Small Workplaces, Best Workplaces in the Bay Area, and Best Workplaces in Financial Services & Insurance.

Like any startup, we’re in it for the long haul, and we’re looking for people willing to join our journey of building something special together.

This process starts with our company values, which guide us in everything we do — and have played a critical role in our success. We valiantly abide by them, and would expect you to do the same:

• Put customers first (that’s our M.O.)

• Act fast (leverage our startup environment).

• Lead the way (show and tell).

• Take ownership (everyone is hands-on here).

• Be a good human (no egos, build financial products that do right by people).

Learn more about our values here.

The Role

We are seeking an experienced Lead Credit Analyst to join our Risk team. Reporting to the Vice President of Risk, this role will be responsible for leading analytical projects that drive key decisions across portfolio performance, underwriting strategy, and credit risk management. This is a highly cross-functional role that will partner closely with Fraud, Data Science, and Data Engineering to deliver actionable insights, scalable monitoring, and sustainable decisioning strategies that support profitable growth.

Responsibilities

• Conduct in-depth portfolio and trend analysis to identify key performance drivers, emerging risks, and growth opportunities

• Develop insights and recommendations to optimize underwriting policies, credit decisioning, and fraud risk strategies

• Monitor and evaluate key credit metrics (e.g., approval rates, loss rates, delinquency trends, vintage performance) and communicate findings to stakeholders

• Partner with Analytics, Data Science, and Data Engineering to build scalable data models, automated reporting, and repeatable performance monitoring frameworks

• Support strategy testing and measurement efforts (e.g., champion/challenger experiments) to improve decision quality and customer outcomes

• Translate complex analyses into clear, concise narratives and recommendations for leadership and cross-functional partners

• Mentor team members on analytical best practices and help strengthen a data-driven culture across the organization

Requirements

• Bachelor’s degree in math, economics, statistics, or other quantitative field

• 5+ years of experience in an analytical role

• 2+ years of consumer lending experience, either at a large bank or a fintech

• Proficiency in SQL, R or Python

• Proficiency in Data Lake, DBT or Git

• Excellent written, verbal, and interpersonal communication skills

• Strong sense of ownership with the ability to drive projects forward independently in a fast-paced environment

Bonus points

• Fintech experience

• Experience supporting underwriting strategy, credit policy, or fraud risk decisioning for consumer lending products

• Familiarity with building dashboards or automated monitoring using modern BI tools

Conclusion

The range of base salary for the position is between $120,800.00 - $169,100.00, plus equity, and benefits. Please note that the base salary range is a guideline, and individual total compensation will vary based on factors such as qualifications, skill level and competencies.

Spend a little time on our About Us page and check out our Press page and our blog for more. If you think this might be a fit, we’d love to hear from you!

This hiring process utilizes artificial intelligence tools to assist in candidate screening and assessment. Our AI tools are designed to complement, not replace, human decision-making. Our data practices are described in Wisetack’s Privacy Policy.