Credit Analytics

Ovii's Interpretation of the Role

The Credit Analytics role at OnePay drives data‑focused credit strategy for consumer‑lending products. You’ll own end‑to‑end analytics, blend AI techniques with advanced SQL, and translate insights into product and growth decisions.

Role Snapshot

• Own end‑to‑end credit strategy
• Drive data‑driven credit decisions
• Collaborate with product, engineering and data science
• Leverage AI/ML and advanced SQL for predictive insights
• Present findings to senior leadership

Must-Have Requirements

• Advanced SQL
• AI/ML techniques
• Credit risk analytics
• Quantitative analysis
• credit analytics
• quantitative analysis
• SQL
• AI

Nice-to-Have Signals

• Consumer underwriting strategy
• Portfolio risk analytics
• Cash‑advance/overdraft/BNPL experience
• consumer underwriting strategy
• portfolio risk analytics
• cash‑advance/overdraft/BNPL

Work Setup

• Location: United States
• Work mode: REMOTE
• Remote scope: COUNTRY_RESTRICTED
• Remote countries: United States
• Employment type: Full-Time

Not Specified in JD

• Visa sponsorship
• Salary range
• Travel
• Security clearance
• Coding test

What You'll Likely Work On

• Own credit strategy across advance, overdraft and other credit products, creating policies that balance growth and risk
• Analyze customer behavior and connect segmentation signals across products to uncover new insights
• Launch new credit products from scratch, balancing first‑principles with limited data
• Use AI‑powered tools to accelerate analysis, develop and validate predictive models
• Share insights and recommendations with senior leadership and key stakeholders

Good Fit If You Have

• Experience with cash‑advance, overdraft, BNPL or short‑term consumer lending
• Comfort operating in a fast‑paced, cross‑functional environment
• Owner‑mindset with bias toward action
• Strong problem‑solving curiosity