Senior Capital Markets & Credit Analytics Analyst

San Francisco, CAFull-TimeSeniorAnalyst

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Analysis: Develop, refine and optimize credit and underwriting strategies across GoodLeap’s product lines, aligned with investor guidelines, regulatory expectations, and internal strategy. Perform portfolio analytics to evaluate performance trends, risk patterns and segmentation outcomes. Produce data-driven dashboards, research reports and presentations for senior stakeholders and external partners.
Market Research: Analyze macroeconomic trends, competitive benchmarks, and capital market indicators to inform policy and capital strategy. Monitor regulatory developments and policy developments impacting consumer lending and integrate relevant updates into analytical workstreams.
Cross-functional Engagement: Serve as primary point of contact for policy questions, exception review insights, and investor driven guideline questions. Partner with Treasury, Risk Management, and Business Intelligence to maintain high data integrity, audit trails and consistent documentation.
Financial Modeling: Build and maintain financial and credit risk models for valuation, forecasting capital transactions and scenario simulations.
Credit Delivery: Be tactical product owner for credit policy execution, including signing off on QA/UAT testing and releases. Translate credit changes into decision logic for credit engine and operational workflows.

Minimum bachelor's (or advanced) degree
4–6 years of experience
Strong proficiency in SQL and Python; familiarity with Tableau is a plus
Expert in Microsoft Excel (advanced functions, modeling, automation) and PowerPoint
Experience with cloud or distributed computing environments (e.g. Databricks, Snowflake) is a strong plus
Foundation in consumer credit analytics—credit bureaus, scorecards, risk segmentation, loan lifecycle, and credit performance metrics
Ability to work across simultaneous projects and tight deadlines in an agile, fast-paced environment
Exceptional attention to detail, intellectual curiosity, and eagerness to learn new analytical tools and credit concepts
Knowledge of consumer finance concepts, including credit risk modeling, loan lifecycle, and performance metrics
Strong communication skills—capable of simplifying technical findings for diverse audiences (executives, investors, engineers)
Understanding structured finance, capital markets, and investor reporting concepts is beneficial