Credit Risk Manager/Senior Analyst

At Thrive Financial, Credit Risk Managers/Analysts have the opportunity to shape business outcomes through actionable, data-driven insights as the company is in high growth mode. This role is for someone who is able to apply analytics in an environment of ambiguity and incomplete ownership and loves working cross functionally. You are a data nerd who is passionate about leveraging AI and automation for analytics, a relationship builder, and you know how to weigh risk against opportunity. This role will be foundational in continuing to optimize the Thrive credit policy. You have the right background if you Have three or more years working in a lending analytics roles with at least two years spent working in a risk environment where the consumer credit risk isn’t the whole story Have earned increased responsibility or promotions through performance, not tenure Have worked in an early-stage company (or equivalent environment) where structure was minimal and initiative mattered, or can clearly demonstrate that you’ve succeeded without heavy process or support Are comfortable wearing multiple hats today, with an eye toward building and leading a team in the future You are a SQL and/or Python wizard Are passionate about leveraging AI and automation to build lean and scalable risk analytics programs How you approach the role You are hands-on by default - excited to dive into consumer data, solve real problems, and deliver tangible value You naturally look for patterns and gaps, and feel compelled to create structure where none exists You balance empathy and accountability, building trust while driving outcomes You are energized by growth (both personal and organizational) and want to level up into people leadership over time What You Will Do Build out analytics and procedures to monitor credit performance and uncover opportunities to protect Thrive’s bottom line Produce reporting and dashboards that effectively communicate credit risk trends to a variety of stakeholders Monitor and enhance credit underwriting models Update loss forecasting estimates and analyze portfolio profitability Identify improvements for more efficient customer underwriting to reduce friction while maintaining decision integrity Leverage automation and AI to drive more insights with less overhead Why This Role High-impact opportunity to shape risk strategy at an early stage - you are here to take us from 10 to 100 Path to expanded scope and people leadership as the company scales Mission-driven fintech focused on enabling responsible, accessible financing Fully remote, highly collaborative environment with room to grow At Thrive, our best teammates embody GRIT: Get things done You are self-directed, proactive, and biased toward action. You don’t wait for perfect conditions to move forward. Respect each other You lead with humility and empathy — whether working with contractors, teammates, or leadership. Intellectual curiosity You ask thoughtful questions, seek context, and enjoy learning new industries, products, and customer needs in order to make practical, informed decisions. Teamwork You believe the best results come from shared ownership, open communication, and learning together. As a Credit Risk Manager/Senior Analyst, you also bring: Trustworthiness You prioritize long-term relationships, follow through on commitments, and ensure alignment across stakeholders. Collaboration You actively invite diverse perspectives and use them to arrive at better solutions — for customers and for the business. Stewardship You approach your work with a servant mindset, focused on supporting contractors, teammates, and the broader mission of responsible financial access.