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

Role Summary 

We are looking for a skilled and motivated professional to join our Credit Strategy team as the Sr. Analyst, Credit Strategy, based out of the Bluevine office in Bengaluru, India. The successful candidate will possess a strong analytical and technical mindset, an understanding of credit risk management and strategy, the ability to make data-driven decisions and implementation of business logic. 

Ideal candidate should be a Tier-1 graduate with a passion for leveraging data to drive strategic business decisions

Key Responsibilities: 

• Credit Strategy: Develop, implement, evaluate, and monitor strategies related to key areas of credit.
• Data-Driven Decision Making: Apply knowledge of data analytics and risk management to inform and improve decision-making processes.
• Portfolio Risk Analysis: Conduct in-depth analyses to identify high-risk customers and recommend strategies to handle them. Support the optimization of P&L for our lending portfolio.
• Automated Decision Processes: Define and develop end-to-end automated decision processes to mitigate risk using internal decision engines and Python programming.
• Cross-Functional Collaboration: Work closely with other Bluevine teams, including Data Science, Data Engineering, R&D, Product, and other risk departments to understand different viewpoints, obtain data, make trade-off decisions, and conduct independent analysis of possible courses of action
• Communication: Share analysis results, insights and recommendation both technical and non-technical audience both within and across teams. 

Required Experience and Education 

• Bachelor's Degree in a quantitative field (Business, Mathematics, Economics, Finance, Statistics, Science, Engineering) from a recognized Tier 1 institution.
• Over 3 years of relevant experience in analytics with a focus on quantitative analysis.
• Strong analytical and technical skills.
• Strong hands on experience in Python
• Strong hands on experience in SQL

Not required, but a plus 

• Experience in financial services, such as U.S. banks, lines of credit, credit card industries, or fintech (preferred).
• Experience with credit risk products.
• Experience with process automation and code implementation.

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