Credit Risk Analyst
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Job Summary
About ClearGrid
ClearGrid is on a mission to revolutionize the debt resolution industry by leveraging AI automation and real-time data to fundamentally transform collections. Were a fast-growing startup seeking ambitious builders who want to tackle massive challenges and create lasting impact. If youre passionate about building from the ground up and redefining how products drive business and customer outcomes we want you on our team.
We are searching for a Credit Risk Analyst with a track record of delivering innovative data-driven solutions and a bias for this role The Pricing Manager will be responsible for the end-to-end financial modeling and valuation of distressed consumer loan portfolios (BNPL and unsecured personal loans). You will translate complex data signals such as demographic indicators and borrower behavior into actionable recovery forecasts and competitive investment bids.
Key Responsibilities
The candidate will be able to perform:
Advanced Recovery Modeling: Develop and maintain recovery rate models using ClearGrid methodology specifically focusing on identifying high-potential segments (top 5%) using data signals and explicitly define downside cases and sensitivity of recovery assumptions
Statistical Correlation Analysis:
Construct correlation matrices to test recovery sensitivity against existing borrower signals to establish eligibility criteria and concentration limits.
Clearly articulate where data is directional rather than definitive
Lookalike Modeling & Interpolation: Utilize machine learning or statistical grouping to identify lookalike borrowers within unidentified portfolios applying scenario assumptions for risk mitigation.
Portfolio Bidding & Strategy:
Design and execute the final Portfolio Bid models integrating recovery forecasts with operational costs concentration limits and required profit margins to determine the purchase price.
Produce pricing ranges and downside scenarios not just point estimates.
Support live transaction pricing discussions and iterative bid refinement under time constraints
Visual Reporting: Build and manage Tableau dashboards to communicate conversion rates and recovery performance to senior stakeholders.
Requirements:
Data Tools: Advanced proficiency in SQL and Python/R for data manipulation and lookalike modeling.
Visualization: Expert level in Tableau or other tools for large data sets to visualize recovery trends.
Financial Modeling: Expert Excel/Financial modeling skills specifically for NPL valuation (DCF IRR and NPV analysis of recovery streams).
Domain Expertise: Deep understanding of BNPL or consumer credit lifecycles and the impact of soft signals on repayment behavior.
Why Join ClearGrid
Real ownership: Youll play a central role in building products that redefine how collections work in the future
Massive industry impact: This is one of those rare spaces where almost everything is still to be built.
High-growth team: Were scaling fast and the systems tools and processes you help create will shape our foundation.
Key Skills
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
About Company
ClearGrid is a digital platform redefining debt resolution through AI-driven, customer-first solutions. We help lenders streamline recovery while providing borrowers with tailored, flexible options that prioritize financial stability and trust. By focusing on transparency and regulato ... View more
