[Remote] Credit Analyst

Note: The job is a remote job and is open to candidates in USA. PatientFi is a technology-based, point-of-sale financing company that partners with healthcare providers to offer patients a friendly payment solution. As a Credit Analyst, you will create consumer credit strategies to increase profitability and mitigate credit risk, working with complex data sources to optimize underwriting decisions and monitor credit performance. Responsibilities Analyze Consumer Credit Risks: Review and underwrite unsecured consumer loan applications through our provider network to find opportunities to increase approval rates and credit limits while minimizing losses Technical Capabilities: Solid understanding time series analysis, consumer credit behavior, and statistical concepts. Ability to summarize complex solutions using data (SQL/SAS/Python), leverage data visualization tools, and integrate LLM’s into your workflow for efficiencies and insights Portfolio Evaluation: Monitor the performance of our loan portfolio, identifying early delinquency trends and assisting in the preparation of monthly and quarterly credit risk evaluations Organizational Collaboration: Work with the Data Science and other teams within PatientFi to collaborate on new initiatives, deploy new credit changes and find portfolio improvements Policy & Compliance: Ensure all underwriting decisions strictly adhere to PatientFi’s internal credit policies as well as applicable state and federal regulations (i.e. FCRA, ECOA/Reg B, UDAAP, TILA/Reg Z) Skills 1–3 years of experience in consumer credit underwriting, risk analysis, or a related financial services role Bachelor's degree in Finance, Economics, Statistics, or a related quantitative field Understanding loan mechanics, origination quality and credit performance analytics Proficiency in Google and/or Microsoft business suite (Sheets/Excel/PPT), and comfort working with large datasets (SQL/SAS/Python) Familiarity with key US consumer lending regulations, including the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA) 2+ years of experience at a Fintech or Unsecured Lending Financial Institution Familiarity with POC and/or B2B2C lending businesses Proven experience implementing meaningful changes to underwriting outcomes through portfolio analysis Self-motivated and well adapted to working with remote teams and startup culture Benefits Remote Work Medical, dental, and vision premiums covered at 80% for employees and dependents Unlimited PTO 401(k) Parental leave AD&D policy provided at no cost to employees Company Overview PatientFi is a financial services company that helps patients to access current health, beauty, and wellness treatments. It was founded in 2017, and is headquartered in Irvine, California, USA, with a workforce of 51-200 employees. Its website is