Credit Analytics Manager (Remote)

EMPOWER OVERVIEW
Empower is a high-growth financial technology company on a mission to expand access to fair credit to give anyone in the world the opportunity to improve their financial security and mobility. We dream up and launch one-of-a-kind features that help our members get money instantly whenever they need it, save for the future, and rewrite their financial story. Our members see Empower Cash Advance as a life-saver, Empower Automatic Savings as a game-changer, and the new Empower Thrive line of credit as a lifeline to low-cost borrowing and the only practical path to building good credit.
Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Are we the next great place to grow your impact and accelerate your career? We think so:
Inc. ranked Empower #56 in the 2023 Inc. 5000 list of the fastest-growing private companies in the US (#55 in 2022). Forbes put Empower on its 2023 list of America's Best Startup Employers. Fast Company recognized the new Empower Thrive line of credit in their 2022 list of the Next Big Things in Tech.
THE EMPOWER WAYGreat Expectations: We come up with bold, audacious goals for ourselves and go all out for impactOwner Mindset: We give every employee latitude to act independently, make smart choices, and move the business forwardSpirited Debate: We love skeptics and seek counter opinions to challenge our personal assumptions and expand our viewCustomer Obsession: We listen to understand, empathize, and create a memorable, rewarding experience for our communityInclusive Collaboration: We believe diverse teams make the best decisions, and we strive to give diverse voices a seat at the tableNo Jerks Allowed: We value our relationships and take the time to build trust and connection and communicate respectfully  WHAT EMPOWER OFFERSCompetitive salaryGenerous equity packageFull healthcare and dental benefitsTechnology  expense reimbursementWork  from anywhere
JOB DESCRIPTIONEmpower is searching for a talented analyst to develop customer management strategies for our newly acquired Credit Card product. This role is an exciting opportunity to join a high growth company and have a material impact on a new product segment within the business. This role will sit on the Credit and Data Science team, and while focusing on the Credit Card product, will have the opportunity to learn from credit developments and best practices in Empower’s other established lines of business.\
The ideal candidate is passionate about using data and analytics to drive business growth and help customers improve their financial situations. This individual and their team will own workstreams across credit policy, testing, and valuations and will be asked to take projects from ideation to execution. They will also need to partner with product, tech, and finance teams to build out solutions that differentiate Empower. The right person for this role is someone who shines while solving complex problems and is comfortable with a wide variety of technical tools.
Travel for company offsites is expected at a minimum 2 times a year.

Key Responsibilities

• Build customer management infrastructure for Empower’s new Credit Card product, including:
• credit limit increase policies
• loss mitigation policies and tools
• broad tests to optimize the future business
• valuations models
• customer management score models (in conjunction with Empower’s Data Science team)
• automated systems to monitor business performance
• Collaborate effectively with:
• Finance to ensure the work fits into the broader company strategy 
• Product and Marketing to ensure we keep customers engaged with the product
• Operations and External Vendors to ensure seamless execution of loss mitigation strategies
• Data Infrastructure to ensure sound data quality used for analytics

Candidate Qualifications

• B.S. degree in engineering, business, finance, computer science or mathematics 
• 3+ years industry experience in data analytics and credit risk management 
• Experience designing tests and building credit policies Strong SQL and Python abilities
• Adaptable to pick up new tools and analytical methods
• Comfort working with a variety of cross functional partners in tech, product, credit, and business
• Strong and structured approach to problem solving and ability to use of frameworks to communicate complex topics in an effective manner
• (Preferred) At least two year at a bank or FinTech working in credit analytics

At Empower, we hire for people that push themselves to understand others and seek out ways to challenge their personal assumptions. Our hope is that by fostering such an environment, we strengthen our business and relationships by putting people first. We are committed to building a diverse, inclusive, and equitable workspace where everyone (regardless of age, education, ethnicity, gender, sexual orientation, or any personal characteristics) feels like they belong. Even if your experience doesn’t exactly match up to our job description, you should feel empowered to apply regardless!