Credit Risk Manager
Job Description
Figure Technology Solutions is the market leader in real-world asset (RWA) tokenization. The company has received triple-A ratings from S&P and Moody’s on multiple loan securitizations, the first of its kind for blockchain finance. Join our team as a Credit Risk Manager, in this collaborative, high-visibility role, you will harness cutting-edge analytics and alternative data to transform customer insights into winning strategies for our HELOC and secured lending portfolios.
Salary: $134,640 – $201,960/yr
Key Responsibilities
- Continuously refine and modernize credit underwriting strategies using advanced analytics to optimize risk decisions across lending products.
- Analyze historical loan performance data to model credit expansion initiatives, identify new customer segments, and optimize funnel conversion.
- Perform root-cause analyses on credit losses and default trends, partnering with Fraud Risk Management to sharpen fraud controls.
- Develop valuation models to estimate segment-level economics and advise Capital Markets on yield projections and performance assumptions.
- Partner with Product, Engineering, and Data Science to design A/B tests that balance risk control, conversion lift, and user experience.
- Track and validate pre- and post-implementation performance for all deployed credit and fraud rule changes.
- Design monitoring frameworks to track new product launches at a granular segment level, identify emerging portfolio risks, and inform executive decision-making.
- Present Figure’s underwriting methodology to investors and serve as a core contact for due diligence and portfolio performance inquiries.
- Collaborate with Legal and Compliance to ensure all credit strategies strictly meet regulatory requirements.
- Conduct ad hoc quantitative analyses to support broader Credit, Operations, and Product objectives.
Key Requirements
- Bachelor/Master’s degree with a quantitative background (e.g., Statistics, Math, Economics, Computer Science, Engineering, or Business).
- 5+ years in credit risk management or data science within consumer lending.
- Comfortable working in a fast-moving, evolving environment where priorities shift, and initiatives move quickly.
- Self-driven, with intense focus on results. High curiosity with a proven track record of probing root causes, challenging the status quo, and designing out-of-the-box solutions.
- Strong analytical and problem-solving skills, combined with solid business judgment
- Clear, strong communicator who can translate complex data into simple, actionable insights for any audience.
- Strong team player and comfortable interacting with partners across multiple teams and at varying levels of seniority
- Advanced SQL proficiency for pulling, cleaning, and analyzing complex relational data independently. Working proficiency in Python or R for analysis.
- Practical experience using segmentation, cohort and vintage analysis, and statistical methods (such as A/B test design and interpretation) to evaluate risk and borrower behavior. Building predictive models is not required
- Experience with Tableau, Power BI, and Looker.
- Adhere to all company security policies and data handling procedures.
- Complete mandatory security awareness training within required timeframes.
- Promptly report any suspected security incidents or suspicious activity to the Security team.
