Senior Credit Risk Analyst
MudflapSalary not specified
Full Time
Mid-level (3 to 4 years)
Not SpecifiedCompensation
Entry Level & New Grad, Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
Finance, InvestmentIndustries
Requirements
- Bachelor’s degree in business, finance, accounting, mathematics, or equivalent experience
- 1–2 years of experience in credit or data analysis preferred
- Working knowledge of financial statement analysis
- Strong business writing and communication skills
- Proficiency with Microsoft Excel, Word, and PowerPoint
- Applicants must be authorized to work for any employer in the U.S. (no sponsorship available)
Responsibilities
- Complete annual credit reviews for portfolio companies on schedule
- Analyze financial and sustainability data from internal and external sources
- Collaborate with senior analysts to form and communicate credit opinions
- Manage your own workflow and help refine team processes for quality control
- Track compliance and maintain data within credit systems
- Partner with teams across regions to share insights
- Contribute to new investment reviews and special projects as needed
Skills
financial statement analysis
Excel
Word
PowerPoint
credit analysis
data analysis
business writing
credit reviews
Empower
Personal finance management and credit building
About Empower
Empower.me provides personal finance management and credit building services through a subscription model. Users can sign up for a 14-day free trial, after which they pay $8 per month for access to various financial tools. These tools include customizable payment plans, budgeting features, and credit score monitoring. A key aspect of Empower.me is its focus on helping users build credit by reporting their payments to credit bureaus, which can enhance their credit history if payments are made on time. Additionally, Empower.me offers a Thrive line of credit, which involves a soft inquiry on the user's credit report, ensuring that their credit score remains unaffected during the application process. Unlike many competitors, Empower.me specifically targets individuals with no minimum credit score, aiming to improve their financial health and savings.
San Francisco, CaliforniaHeadquarters
2016Year Founded
$96.8MTotal Funding
LATE_VCCompany Stage
Fintech, Financial ServicesIndustries
51-200Employees
Benefits
Generous equity package
Full healthcare benefits
Unlimited PTO
Technology expense reimbursement
Work from anywhere
Risks
Increased competition from fintech companies like Chime and Varo could impact market share.
Integration challenges from acquisitions may disrupt operations and delay strategic goals.
Regulatory scrutiny on credit services could increase compliance requirements and costs.
Differentiation
Empower offers a unique subscription-based model for financial management tools.
The company focuses on credit building by reporting payments to credit bureaus.
Empower's Thrive line of credit involves a soft inquiry, not affecting credit scores.
Upsides
Acquisition of Petal and Cashalo expands Empower's product offerings and customer base.
Increased demand for financial literacy tools among millennials and Gen Z benefits Empower.
Growing interest in alternative credit scoring aligns with Empower's mission for underserved consumers.
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