Senior Data Analyst, Credit Policy

Key Skills

Databricks, Finance, Management, Python Programming, Snowflake, SQL

Job Description

As a Senior Credit Policy Data Analyst, you will develop, execute, and monitor credit policies and procedures that minimize credit risk while ensuring a smooth customer experience. You will analyze credit data to identify trends and risks, make recommendations for credit policy changes, and collaborate with cross-functional teams to develop and implement new credit products, services, and processes. You will report to the Head of Global Credit Policy and Portfolio Management for Square Banking

You Will:

• Develop, execute, and monitor credit policies and procedures that mitigate credit risk while ensuring alignment with business objectives and regulatory requirements.
• Monitor credit performance metrics to assess the effectiveness of credit policies and procedures. Identify areas for improvement and develop action plans to address them.
• Analyze market trends and customer data to identify opportunities to improve the customer experience and increase product adoption.
• Work with the Product Management team to identify and prioritize new lending product opportunities based on market research, customer feedback, and competitive analysis.
• Collaborate with cross-functional teams, including data science teams, finance, capital market, legal and compliance, and engineers, to develop and implement new credit policy, services and procedures. 
• Prepare reports and presentations for business review and Square risk councils.

Qualifications

You Have:

• A master's degree in mathematics, economics, operations research, management science, finance, or a related quantitative field is required. 
• 3+ years of relevant experience in credit analysis, credit risk management, or a related field is required. Experience developing credit policies, evaluating credit risk, and implementing credit risk mitigation strategies.
• Experience with credit analysis principles, including credit risk assessment, credit scoring models, credit policy formulation and implementation.
• Proficiency in quantitative and qualitative data analysis, ability to evaluate credit risk using various credit scoring models, and make sound credit decisions. Ability to identify patterns, trends, and anomalies in data.
• Familiar with small business lending products like Credit Card, Term Loan, and Line of Credit.
• Experience communicating (written and verbal) credit policies, procedures, and findings to stakeholders.
• Strong critical thinking and problem-solving skills to assess complex credit risk situations, identify potential issues, and develop effective solutions.
• Ability to work collaboratively with cross-functional teams. Demonstrated ability to work independently and meet deadlines in a fast-paced environment.
• Proficiency in data analysis and modeling tools, such as SQL, Python, Snowflake, or Databricks

If you are a results-oriented individual with a passion for credit risk management, we encourage you to apply for this exciting opportunity to join our team.

Additional Information

Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future.

Zone A: USD $138,200 - USD $169,000

Zone B: USD $128,500 - USD $157,100

Zone C: USD $121,700 - USD $148,700

Zone D: USD $110,600 - USD $135,200

To find a location’s zone designation, please refer to this resource. If a location of interest is not listed, please speak with a recruiter for additional information. 

Full-time employee benefits include the following:

• Healthcare coverage (Medical, Vision and Dental insurance)
• Health Savings Account and Flexible Spending Account
• Retirement Plans including company match 
• Employee Stock Purchase Program
• Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance 
• Paid parental and caregiving leave
• Paid time off (including 12 paid holidays)
• Paid sick leave (1 hour per 26 hours worked (max 80 hours per calendar year to the extent legally permissible) for non-exempt employees and covered by our Flexible Time Off policy for exempt employees) 
• Learning and Development resources
• Paid Life insurance, AD&D, and disability benefits 
• Additional Perks such as WFH reimbursements and free access to caregiving, legal, and discounted resources 

These benefits are further detailed in Block's policies. This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.