Credit Risk Analyst

Credit Risk Analyst Agora Data, Inc. - 2.0 Arlington, TX Job Details Full-time $75,000 - $95,000 a year 1 day ago Benefits Stock options Health insurance Dental insurance 401(k) Paid time off Vision insurance Qualifications SQL Entrepreneurship Bachelor's degree Task prioritization Database software proficiency Full Job Description We're looking for a motivated and analytically minded Credit Risk Analyst to join our team supporting credit decisioning, pricing strategy, and portfolio performance for our rapidly growing auto-finance business. In this role, you'll work with credit data, performance trends, and pricing models to help shape decisions that balance growth, risk, and profitability. This is a hands-on role with strong visibility across underwriting, tech, finance, and analytics teams, perfect for someone eager to deepen their expertise in credit risk, consumer lending, and risk-based pricing. Success in this role requires a team-oriented, "how can I help" mindset, flexibility during high-demand periods, and a willingness to dive into both recurring responsibilities and creative problem-solving as needs evolve in our fast-paced, collaborative environment. What You'll Do Analyze credit application data, bureau attributes, and internal performance metrics to identify risk patterns and recommend credit policy adjustments. Support the development, calibration, and monitoring of pricing models that optimize originations volume, expected losses, and yield. Evaluate risk-adjusted profitability across segments, channels, dealers, and credit tiers Conduct competitive pricing analysis and monitor market trends in subprime auto lending Partner with underwriting, finance, technology, and data science teams to refine credit scorecards, decision rules, and pricing strategies. Monitor early-stage delinquency, loss trends, and vintage performance to identify emerging risks Prepare clear, data-driven presentations for senior leadership on credit performance, pricing impacts, and strategic recommendations. Assist in stress testing, scenario modeling, and forecasting for credit and pricing initiatives. What You Need Bachelor's degree in Finance, Economics, Statistics, Mathematics, or related field. 2+ years' experience in auto finance or consumer lending Productive in SQL and database architecture. R or Python a plus. Ability to work on multiple projects and prioritize daily workload. High-level verbal and written communication skills. Detail-oriented and inquisitive. Creative, entrepreneurial, and a problem solver. Preferred Skills Experience in the auto finance industry Strong programming capabilities Statistical background and knowledge Familiarity with credit bureau data, segmentation, and scorecard-based decisioning. Exposure to pricing analytics or risk-based pricing frameworks Physical Requirements Sitting for long periods of time. Staring at a computer screen for extended periods of time. What We Offer You Competitive Salary Health Insurance (medical, dental, and vision) 401(k) Retirement Plan Performance Bonus Unaccrued PTO Incentive Stock Options Collaborative Work Environment