Job Information
BlueChip Financial Senior Credit Risk Analyst in Belcourt, North Dakota
BlueChip Financial (BCF) is looking for a talented Senior 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 Senior 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.)
At least 3 years of experience in quantitative analysis
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
4+ years of experience in complex, data-driven problem solving environment
4+ 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.