Credit Risk Analyst

BlueChip Financial (BCF) is looking for a talented Credit Risk Analyst who will be fulfilling our business objectives by analyzing, building, testing and implementing our advanced lending platform. We have revolutionized the emergency loan market by using sophisticated machine learning (artificial intelligence) and big data to detect fraud and predict payback.

In this role, the Credit Risk Analyst will work with the credit, marketing, decision science and operations teams. This role will deliver deep analytical insights on business performance to monitor and maintain the strong performance of BlueChip’s existing consumer loan portfolio, as well as grow new business. BlueChip will rely on you to drive future testing, learning, and enhancements in order to expand and optimize its lending business.

The Business Analysis (BA) team is the true hub of BlueChip’s decision-making wheel. BlueChip’s executive team heavily leans on analysts to guide significant business decisions, and as a result, our BA team has repeated opportunities to drive real, robust results through its analytical strengths. 

In this role, you will...

• Work closely with a team of data scientists to leverage machine learning models to drive business performance.
• Apply statistical techniques to solve problems in a systematic, structured manner
• Drive analytical projects to optimize financial product design and credit policy.
• Drive strategic insights to deliver business value to BlueChip.
• Coordinate across functions of the business to create maximum value for BlueChip’s customers and stakeholders.
• Analyze and identify opportunities to further the execution of our disciplined growth strategy that balances short-term vs. long-term profitability 
• Develop reporting to monitor and validate predictive model performance and various Key Performance Indicators (KPIs) over time.

Requirements

Mandatory Qualifications

• Bachelor’s Degree or higher in a quantitative field (mathematics, statistics, engineering, physics, data science, computer science, etc.)
• Ability to work in a fast-paced, collaborative environment
• Elite quantitative analytical skill
• Strong interpersonal, leadership, and communication skills
• Experience with SQL/Python for data analysis 

Desired Qualifications

• Masters or PhD degree in a quantitative field
• 1+ years of experience in complex, data-driven problem solving environment
• 1+ years of experience in business analysis
• Experience with sub-prime lending
• Experience with personal loans and lines of credit
• Experience with advanced mathematical/statistical techniques
• Experience with using and implementing statistical models

Location and Travel:

BlueChip Financial is headquartered in Belcourt, North Dakota, with satellite offices in Minneapolis Minnesota, and San Diego, California. This position will be located in one of the three office locations.

Benefits

Perks and benefits

• The opportunity to help bring much-needed income and economic development to the Turtle Mountain Band of Chippewa Indians
• Competitive salary and bonus structure
• Generous employee benefits plan, including robust healthcare plans, matching 401K, and four weeks of PTO
• Company-sponsored professional development and training opportunities 

About the Company

BlueChip Financial (d/b/a Spotloan.com) is a leading online direct lender founded in 2012 that utilizes advanced underwriting technology to provide short-term loans to Americans in need. BCF is wholly owned and operated by the Turtle Mountain Band of Chippewa Indians of North Dakota, a Federally-recognized Native American Tribe (the “Tribe”).  

BlueChip Financial is an integral part of the Tribe’s economic development efforts, and it is an essential provider of employment opportunities on the Tribe’s reservation. Employment decisions at BCF are based on qualifications, ability, and merit. When qualifications are equal, candidates who are enrolled members of the Tribe will receive preference. After considering this preference, it is BCF’s policy to provide equal employment opportunity to all qualified persons without regard to race, color, religion, sexual orientation, age, disability, or national origin.