Note: The job is a remote job and is open to candidates in USA. PatientFi is a technology-based, point-of-sale financing company that partners with healthcare providers to offer patients a friendly payment solution. As a Credit Analyst, you will create consumer credit strategies to increase profitability and mitigate credit risk, working with complex data sources to optimize underwriting decisions and monitor credit performance.
Responsibilities
- Analyze Consumer Credit Risks: Review and underwrite unsecured consumer loan applications through our provider network to find opportunities to increase approval rates and credit limits while minimizing losses
- Technical Capabilities: Solid understanding time series analysis, consumer credit behavior, and statistical concepts. Ability to summarize complex solutions using data (SQL/SAS/Python), leverage data visualization tools, and integrate LLM’s into your workflow for efficiencies and insights
- Portfolio Evaluation: Monitor the performance of our loan portfolio, identifying early delinquency trends and assisting in the preparation of monthly and quarterly credit risk evaluations
- Organizational Collaboration: Work with the Data Science and other teams within PatientFi to collaborate on new initiatives, deploy new credit changes and find portfolio improvements
- Policy & Compliance: Ensure all underwriting decisions strictly adhere to PatientFi’s internal credit policies as well as applicable state and federal regulations (i.e. FCRA, ECOA/Reg B, UDAAP, TILA/Reg Z)
Skills
- 1–3 years of experience in consumer credit underwriting, risk analysis, or a related financial services role
- Bachelor's degree in Finance, Economics, Statistics, or a related quantitative field
- Understanding loan mechanics, origination quality and credit performance analytics
- Proficiency in Google and/or Microsoft business suite (Sheets/Excel/PPT), and comfort working with large datasets (SQL/SAS/Python)
- Familiarity with key US consumer lending regulations, including the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA)
- 2+ years of experience at a Fintech or Unsecured Lending Financial Institution
- Familiarity with POC and/or B2B2C lending businesses
- Proven experience implementing meaningful changes to underwriting outcomes through portfolio analysis
- Self-motivated and well adapted to working with remote teams and startup culture
Benefits
- Remote Work
- Medical, dental, and vision premiums covered at 80% for employees and dependents
- Unlimited PTO
- 401(k)
- Parental leave
- AD&D policy provided at no cost to employees
Company Overview
PatientFi is a financial services company that helps patients to access current health, beauty, and wellness treatments. It was founded in 2017, and is headquartered in Irvine, California, USA, with a workforce of 51-200 employees. Its website is https://patientfi.com/.