Director, Credit Risk Analytics - in Columbus

Headquarters: United States
URL: http://prosper.com

Your role in our mission
As the first peer to peer lending marketplace in the United States, Prosper has a history of innovation. As a growing company that generates cash (rare in the valley), Prosper also has a history of generating results. The Director, Credit Risk Analytics is responsible for underwriting credit strategies and oversight of credit quality and performance of the Personal Loan portfolios. They will review, analyze, and enhance the risk strategies through the use of Machine Learning models and credit data to manage the acquisition growth while delivering expected returns to the investors. They are responsible for the life cycle of credit management including compliance with regulatory requirements and internal controls, and will recommend opportunities to improve efficiency, effectiveness, and reduce risk for the portfolio. The Director, Credit Risk works with cross-functional teams in Product, Engineering, Legal/Compliance, and Marketing to deliver the credit strategies as designed.

How you’ll make an impact

• Develop credit strategies to improve credit performance using data, ML/AI models, and advanced analytics tools.
• Turn findings and gaps into strategy enhancements and present recommendations with considerations of business impact and cost.
• Ensure credit losses remain within the company’s defined risk appetite.
• Bring innovative, out-of-the-box thinking to make recommendations and solve problems.
• Design and evaluate A/B tests with a strong understanding of risk–return trade-offs.
• Identify and evaluate new vendors and data sources and create business cases.
• Partner with Product, Marketing, and Engineering teams to implement and monitor strategy performance.
• Conduct ad-hoc analysis related to risk management, investor services, product, and operations.
• Analyze portfolio performance at a granular segment level, identifying key performance drivers and trends.
• Work with legal and compliance teams to ensure strategies and policies comply with regulatory requirements.
• Bring experience with credit loss forecasting and stress testing exercises.

Skills that will help you thrive

• Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related field.
• 10+ years of experience managing acquisition credit risk in Credit Card or Personal Loan businesses, with strong business acumen and deep credit management knowledge. Experience in loss forecasting is a plus.
• 5+ years of people leadership experience with a proven ability to develop and mentor high-performing teams.
• Ability to thrive in a fast-paced environment and meet deadlines without compromising quality.
• Outstanding thought leadership and the capability to build, refine, and elevate credit strategy frameworks through innovative approaches.
• Exceptional communication skills, with the ability to clearly articulate complex analyses and technical subjects to varied audiences.
• Ability to confidently address questions on unfamiliar topics with clarity and conviction.
• A strong team player with a collaborative mindset and business-owner mentality.
• Proven ability to work productively in a hybrid work environment, balancing remote and in-person collaboration.

What we offer

• Opportunity to collaborate with creative, fun, and driven colleagues on products that have an immediate and significant impact on people's lives.
• Opportunity to work in a fast-paced environment with experienced industry leaders.
• Flexible time off, comprehensive health coverage, competitive salary, paid parental leave, and other wellness benefits.
• Additional perks including Udemy access, childcare assistance, pet insurance discounts, legal assistance, and extra discounts through Perkspot.
• Ability to work remotely in the United States.

Interview process

• Recruiter Call: A brief screening to discuss your experience and initial questions.
• Department Interview: A deeper dive into technical skills and project alignment with the Hiring Manager or team member.
• Team/Virtual Interview: Meeting team members for collaborative discussions, problem-solving, or technical exercises.
• Final Round: A discussion with a department head or executive.

$215,000 - $260,000 a year
Compensation details: The salary for this position is $215k - $260k annually, plus bonus and generous benefits. In determining your salary, we will consider your location, experience, and other job-related factors.

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About Us
Founded in 2005 as the first peer-to-peer marketplace lending platform in the U.S., Prosper was built on a simple idea: connect people who want to borrow money with those who want to invest. Since inception, Prosper has helped more than 2 million people gain access to affordable credit with over $28 billion in loans originated through its platform. Our mission is to help our customers advance their financial well-being through a variety of products. Our diverse culture rewards accountability and cross-functional teamwork because we believe it encourages innovative thinking and helps us deliver on our mission.

We’re on a mission to hire the very best and are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!

Our Values
Diversity expands opportunities
Collaboration creates better solutions
Curiosity fuels our innovation
Integrity defines all our relationships
Excellence leads to longevity
Simplicity guides our user experience
Accountability at all levels drives results

www.prosper.com Our Story & Team Our Blog

Applicants have rights under Federal Employment Laws.

Family & Medical Leave Act (FMLA)

Equal Employment Opportunity (EEO)

Employee Polygraph Protection Act (EPPA)

California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.

At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will set you apart from other candidates. Prosper thrives with people who think outside the box and aren’t afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.

Prosper is committed to an inclusive and diverse workplace. All aspects of employment including hiring, promotion, discipline, or discharge will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider qualified applicants who are non-US citizens and will provide green card sponsorship.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

To apply: https://weworkremotely.com/remote-jobs/prosper-director-credit-risk-analytics

Source: weworkremotely

Published: 2026-01-14 17:39:58