Credit Risk Analyst Jobs in the United States

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Senior Credit Risk Analyst - Katapult Group

Remote

 

Postition Overview

Katapult is a technology-forward alternative financing company focused on powering the inclusion economy. We are seeking a Senior Credit Risk Analyst to join our Credit Risk Strategy team. This role will be responsible for reviewing and optimizing current credit risk criteria for underwriting and offers, with a focus on enhancing merchant performance, reducing losses, and increasing portfolio profitability.

 

In this role, you will evaluate underwriting strategies, offer structures, line assignments, promotional campaigns, and portfolio performance to identify opportunities and risks across the customer and merchant lifecycle. The role will overlap with collections performance monitoring, but will be primarily focused on upstream credit strategy, underwriting criteria, merchant performance, and data-based recommendations that support profitable growth.

 

This role is ideal for someone who enjoys combining analytics, credit risk strategy, and business partnership to improve decisioning, customer outcomes, merchant performance, and overall portfolio profitability in a fast-paced environment.

 

Katapult, The Aaron’s Company, and Community Choice Financial have combined under a unified enterprise, bringing together complementary brands and capabilities to better serve our customers and communities.

What We Offer

Benefits & Perks*

• Performance-based career advancement
• Multiple coverage choices for medical insurance, all include telemedicine and medical spending account options when enrolled (HSA/FSA).
• Traditional 401(k) and Roth 401(k) Retirement plan with a generous Company match program.
• Company-Sponsored Life and AD&D Insurance.
• Basic and Enhanced Voluntary benefits so you may choose the right coverage at the right price for you and your family.  Options include dental, vision, short-term and long-term disability plans, supplemental life and AD&D insurance, accident, critical illness, hospital indemnity, ID theft protection, legal services program, and pet insurance.
• Complimentary access to mental health resources, life coaching, and more for you and your family members through our Employee Assistance Program.

 

*Based on current benefit offerings, which are subject to change with or without notice. Certain benefits are subject to the terms and conditions of the governing plan documents, which should be consulted for additional details and eligibility requirements.

What You’ll Do - Essential Duties and Responsibilities

• Review and optimize underwriting decision criteria, approval strategies, and offer structures to improve risk-adjusted performance and profitability
• Analyze customer, merchant, and portfolio performance to identify growth opportunities, loss drivers, and emerging credit or fraud risks
• Evaluate merchant-level performance, including approval rates, conversion rates, customer payment behavior, losses, and profitability trends
• Develop data-based recommendations to enhance merchant outcomes while maintaining appropriate credit risk controls
• Manage and refine line assignment strategies to ensure offers are appropriately aligned to customer risk, affordability, and profitability objectives
• Review performance of pricing tests, and portfolio initiatives to assess effectiveness and recommend optimization opportunities
• Identify upstream underwriting opportunities that can improve downstream collections performance, payment behavior, and recovery outcomes
• Monitor credit performance indicators, including approval quality, early payment performance, fraud trends, charge-offs, and customer behavior patterns
• Partner cross-functionally with Operations, Finance, Sales and Product teams to translate insights into action
• Prepare clear reporting, analysis, and recommendations for business stakeholders, including executive-level summaries when needed

What We’re Looking For – Qualifications and Skills

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, Data Analytics, or a related field
• 5 to 8 years of relevant experience in credit risk, underwriting strategy, portfolio analytics, consumer finance, fintech, or related analytical functions
• Strong understanding of consumer credit risk management, underwriting strategies, offer optimization, and portfolio performance monitoring
• Experience analyzing large datasets and translating findings into actionable recommendations that balance growth, risk, and profitability objectives
• Demonstrated experience evaluating approval criteria, line assignment strategies, promotional campaigns, or credit policy changes
• Strong analytical skills with experience using data to diagnose performance trends, identify risks, and quantify business opportunities
• Proficiency in SQL, Excel, and/or other analytical tools; experience with Python, BI tools, or statistical modeling is a plus
• Ability to work cross-functionally and communicate clearly with both technical and non-technical stakeholders
• Strong sense of ownership, attention to detail, and ability to manage multiple priorities in a fast-paced environment
• Experience in consumer finance, lease-to-own, subprime/near-prime lending, merchant financing, or e-commerce financing is a plus

Workplace Awards & Recognition

We are honored to be recognized as a Military Friendly Employer and Military Friendly Spouse Employer for four consecutive years and have received designation as a Top Employer for Hispanic and Latinos by HLPA in 2023, 2024, and 2025. Additionally, we have been named one of America’s Greatest Workplace in Financial Services 2025 by Newsweek. 

Our Purpose

The Community Choice Financial® Family of Brands ("CCF" or the “Company”), is one of the largest consumer specialty finance organizations in the U.S. We provide our customers, Team Members, and communities the Power of Choice with over 10 brands represented in more than 1,500 brick-and-mortar stores serving 24 states and online product offerings in 20 states. Community Choice Financial® Family of Brands is steadfast in our commitment to help people across the country get access to the short-term financial services they need when they need it the most.

 

Think you’d thrive here?  Learn more at https://www.ccffamilyofbrands.com/explore-careers

 

The information contained herein is not intended to be an all-inclusive list of the duties and responsibilities of the job, nor is it intended to be an all-inclusive list of the skills and abilities required to do the job. The Company may, at its discretion, revise the job description at any time, and additional functions and requirements may be assigned by supervisors as deemed appropriate.  Requirements, skills, and abilities included have been determined to illustrate the minimal standards required to successfully perform the position.

 

Important: The Community Choice Financial® Family of Brands will never ask you for banking or other payment information at any point during the interview or hiring process, nor will we conduct an interview via text message. Any official email correspondence will come from the domains @ccfi.com. In-store positions are in person only.

 

The Community Choice Financial® Family of Brands is committed to providing an inclusive workplace free of discrimination based on race, color, religion, sex, age, national origin, military status, disability, pregnancy, sexual orientation, gender identity or expression, genetic information or any other characteristic protected by applicable law. Candidates of all backgrounds are encouraged to apply. CCFI Companies, LLC is an equal-opportunity employer.

 

“Please note, we do not accept unsolicited resumes from third-party recruitment firms or agencies.”