[Remote] Senior Credit Risk Analyst at Mudflap

Remote

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Technology, TransportationIndustries

Requirements

Strong technical knowledge of SQL/Python/Excel
5+ years in Data/Business/Financial Analysis
Experience in mobile payments or financial technology strongly preferred
Exceptional problem-solving skills
Solid understanding of lending procedures
Excellent analytical skills, with the ability to create and process financial spreadsheets
Ability to develop and foster strong cross-functional partnerships
Action bias and willingness to work in a dynamic environment
Demonstrated exceptional ownership of not only your work but also the business outcomes

Responsibilities

Successfully grow the Mudflap Fuel Card product while managing the profitability of the portfolio
Ensure that the loss rates of the Mudflap Fuel Card align with risk appetite and profitability goals
Determine KPIs to assess the success of the Mudflap Fuel Card
Develop and implement policies and procedures that reduce credit and fraud risk for Mudflap
Develop repayment and collection strategies to improve the recovery of delinquent accounts
Partner with operations and product teams to implement credit and collections strategies
Develop next generation credit risk financial models and best-in-class monitoring framework
Shape the future of our credit card/credit program using various tools and methodologies: multi-product internal data, credit bureaus and alternative data sources
Partner with the leadership and product teams to develop and launch new credit products as Mudflap expands its offerings

Skills

Key technologies and capabilities for this role

Credit RiskCredit ModelingRisk ManagementFinancial ModelingData AnalysisPolicy DevelopmentFraud PreventionCollectionsKPI Development

Questions & Answers

Common questions about this position

What is the salary range for the Senior Credit Risk Analyst position?

The salary range for this role is $155,000 - $180,000, reflecting a base salary based on current market data which may be subject to change.

Is this role remote-friendly, and what are the location preferences?

The company prefers candidates located in Palo Alto, CA or Austin, TX for occasional meetings and team collaboration, but is open to remote team members who can travel periodically if needed.

What skills and experience are required for this role?

Required skills include strong technical knowledge of SQL/Python/Excel, 5+ years in Data/Business/Financial Analysis, exceptional problem-solving and analytical skills, solid understanding of lending procedures, and ability to develop cross-functional partnerships.

What is the company culture like at Mudflap?

Mudflap offers a collaborative, high-growth environment where you'll work closely with talented teammates, with perks like commuter benefits, lunches and snacks, and an annual company offsite event called Mudfest.

What makes a strong candidate for this Senior Credit Risk Analyst role?

Strong candidates demonstrate action bias, willingness to work in a dynamic environment, exceptional ownership of work and business outcomes, plus experience in mobile payments or financial technology.

Mudflap

Mobile app for fuel savings and discounts

About Mudflap

Mudflap offers a mobile app and fleet card that help independent truck drivers and small fleet owners save money on fuel. The app allows users to access discounts at truck stops without a credit check and includes features like live support and receipt management. Unlike competitors, Mudflap partners directly with truck stops to provide savings, earning a commission only when users save money. The company's goal is to reduce fuel costs for its clients, making their operations more affordable.

Palo Alto, CaliforniaHeadquarters

2016Year Founded

$48.6MTotal Funding

SERIES_BCompany Stage

Automotive & TransportationIndustries

51-200Employees

Benefits

A flexible, remote-first company

Competitive salary and benefit options

Risks

AtoB's advanced features may attract Mudflap's customer base.

AtoB's partnerships could limit Mudflap's ability to negotiate favorable terms.

Increased competition from AtoB's no-fee fleet cards may impact Mudflap's market share.

Differentiation

Mudflap offers a free app with no credit check for fuel savings.

The company partners with truck stops to provide discounts to independent truckers.

Mudflap's business model aligns its profits with customer savings on fuel.

Upsides

Integration of telematics can enhance Mudflap's app with fuel purchasing insights.

Collaborating with telematics providers could offer advanced data analytics and fraud prevention.

Expanding partnerships with gas station chains could increase savings opportunities for users.

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