Senior Analyst, Credit Strategy

About Bluevine

Bluevine is on a mission to enable a better financial future for small business owners through innovative banking solutions designed just for them. By combining best-in-class technology with advanced security and a deep understanding of the small business community, we deliver end-to-end banking and lending products that empower always-on entrepreneurs to grow their businesses with confidence. 

As a dynamic company with massive potential, we’re backed by leading investors such as Lightspeed Venture Partners, Menlo Ventures, 83North, Citi Ventures, and nearly 9 years of proven success. Since launching in 2013, we have grown exponentially, amassing over 400,000 customers across all 50 states and a global team of more than 500 people. Our passion is driven by purpose: to give small businesses the tools they need to succeed and we’re just getting started. 

All of this begins with our team who are driven by collaboration, problem-solving, and learning and growing together. With a commitment to innovation and community impact, our mission is to help every small business—and every team member—thrive. Join us! #LI-Hybrid

We are looking for a skilled and motivated professional to join as the Sr. Risk Strategy Analyst for Credit and Pricing Strategy based out of Bluevine office in Bangalore, India. The successful candidate will possess a strong analytical mindset, an understanding of credit risk management and profitability assessment, and the ability to make data-driven decisions. 

The candidate will apply their knowledge of data analytics and risk management to inform and improve decision-making processes. They will be responsible for developing, implementing, evaluating and monitoring strategies pertaining to fundamental areas of credit. The candidate will play a crucial role in conducting in-depth financial analyses, and optimizing losses and loan pricing for our lending portfolio.  Responsible for driving projects that achieve corporate and business level OKR. Work cross-functionally with operations, risk analytics, business operations, product, and business unit leaders to understand different viewpoints, obtain data to make tradeoff decisions, and then conduct independent analysis of possible courses of action

The candidate will report functionally to the Manager of Credit Risk & Pricing Strategy, based out of the US, and locally to the Manager of Credit Strategy, based out of Bangalore, India.  

What You'll Do:

• Partner closely with lending managers and cross-functional teams like product, finance, risk analytics & capital markets to identify and recommend opportunities to improve risk strategies considering profitability as business objective 
• Monitor and evaluate the risk adjusted margin of the credit portfolio to identify opportunities for pricing and loss improvement and propose pricing changes ( rate, fee structure) and risk policy changes
• Enhance existing credit risk strategies and pricing framework and help build a robust and scalable process
• Develop Risk based pricing structure including considerations of impact on funnel; adverse selection and risk adjustment margin; execute and monitor risk strategies and pricing test campaigns
• Provide data-driven insights to senior management to support strategic decision-making
• Identify opportunities and scale additional areas of risk and pricing reporting and strategy

What We Look For:

• Strategic & analytic orientation -  Strategic mindset with the ability to align risk and pricing strategies with overall business goals. Conceptual thinking skills must be complemented by a strong quantitative orientation with ability to drive decision-making & problem-solving based on data. 
• Strong business judgment, leadership and integrity: Ability to make informed and timely decisions based on data analysis 
• Ability to navigate unstructured problems - Someone who gets excited about creating structure from an unstructured problem area; and is not afraid to get their hands dirty
• Strong communication skills: Ability to convey complex concepts to diverse audience, including executives, team members, and other stakeholders 
• Clear results orientation: Display an intense focus on achieving both short and long term goals
• Adaptability: Someone who is excited to work in a fast paced, entrepreneurial and dynamic environment. 
• Continuous Learning: Eagerness for ongoing professional development and staying informed of industry trends
• Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering) from a recognized Tier 1 institution
• 3+ years of relevant experience in analytics, strategy, etc.
• SQL, BI and Excel high proficiency 
• Regression & forecasting modeling techniques
• Experience in building financial/valuation models
• Experience in test design, A/B Testing

Bonus points if you also have:

• Experience in Financial services (U.S. bank/fintech/line of credit/credit card experience a plus)
• Experience in Credit products
• Knowledge of Python.

BENEFITS & PERKS

• Excellent group health coverage and life insurance
• Stock options
• Hybrid work model
• Meal allowance
• Transportation assistance (terms and conditions apply)
• Generous paid time off plan, Holidays
• Company-sponsored mental health benefits
• Financial advisory services for both short- and long-term goals
• Learning and development opportunities to support career growth
• Community-based volunteering opportunities