CommonBond has built a values-driven, customer-centric fintech company. Our mission is to change the way people think about their personal finances and financial independence. We accomplish this by offering products that increase monthly cash flow for consumers, leverage state-of-the art technology, and deliver award-winning customer service. We are also the only fintech company with a 1-for-1 social mission; for every loan funded, we fund the education of a child in the developing world. CommonBond has been named to the World’s 50 Most Innovative Companies by Fast Company, the 50 Best Places to Work by Inc., and the Forbes Fintech 50. In 2020, the company made the Inc 500 list, which highlights the fastest growing private companies in America. We are backed by great investors, have an awesome team, and are looking for our next great team member.

Responsibilities: 

• Collaborate with the executive team to align credit strategy with the overall goals of the organization. 
• Analyze, develop, and propose value added risk strategies for CommonBond’s lending products. 
• Provide insights and recommendations around portfolio quality, risks and opportunities, and underwriting policies and procedures. 
• Establish the organization's tolerance for credit risk and establish policies governing the extension of credit. 
• Keep updated on market dynamics and the economy to provide recommendations to manage the loan portfolio. 
• Develop strategies for collections, recoveries, and fraud management to ensure that portfolio performance is within expectations. 

Desired Qualifications: 

• 10+ Years in Credit at a financial institution or a rating agency (or equivalent); and 5+ Years in Data & Analytics at an organization with a significant amount of consumer financial behavior data. 
• Advanced degree in Finance, Econometrics, Statistics, Mathematics, Physics, or another quantitative discipline, preferred. 
• Deeply data-driven understanding of credit risk frameworks and best practices based on previous experience. 
• Track record of strong analytical and strategic thinking skills. 

Key Competencies: 

• Clear Thinker with strong analytical skills to review complex processes. 
• Strong communication skills, both verbal and written.
• Ability to take initiative and work independently with or without direction.   
• Ability to prioritize multiple workstrems; flexible and adaptable to business requirements 

You can work in our New York City HQ; or remotely from anywhere in the US (as long as you work east coast hours). As a heads up, due to the on-going pandemic of COVID-19, if you choose to work from our NYC HQ, it is likely that you’ll start working remotely.  

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.