Senior Risk Analyst

About the role

We are seeking a detail-oriented Risk Analyst to join our team and support the analytics and operations of Spark, Engine by MoneyLion's hosted decision model service. This role will focus on partner integrations, performance monitoring, and data analysis to help optimize our lending marketplace platform. The ideal candidate will have strong analytical skills, experience with SQL and data visualization tools, and an interest in fintech and credit risk.

This role is onsite 3 days a week out of our New York City office.

Key Responsibilities

Data Analysis & Reporting

• Monitor funnel metrics including total leads evaluated, approval rates and conversion rates
• Create and maintain dashboards using Periscope/Looker/Omni/DBT for partner performance tracking
• Generate regular reports on caching rates, system performance, and partner analytics
• Investigate reasons for changes to metrics by working across various teams
• Analyze A/B test results and softpull experiments to measure optimization impact

Partner Integration Support

• Assist with technical documentation and validation file preparation for new lender partners
• Support integration testing and troubleshooting for marketplace lending partners
• Help coordinate data mapping and attribute requirements between partners and internal systems
• Monitor integration health and flag issues to senior team members
• Highlight potential errors in the rules given by partners that result in poor conversion rates

Process Improvement

• Identify opportunities for automation in reporting and monitoring
• Model out potential impacts of proposed product changes
• Support ad-hoc analysis requests from business stakeholders
• Contribute to cross-functional projects with Product, Engineering, and Finance teams

Required Qualifications

Technical Skills

• SQL: Intermediate proficiency with complex queries, joins, and window functions
• Python: Most partner models will be written in python
• Ability / willingness to learn how to create risk decision models
• Data Visualization: Experience with Tableau, Looker, Periscope, or similar tools
• Excel/Spreadsheets: Advanced skills including pivot tables, VLOOKUP, and basic modeling
• Statistics: Understanding of basic statistical concepts, A/B testing

Experience & Knowledge

• 3+ Risk / Underwriting experience at a financial institution (fintech, lending, or other financial services)
• Basic understanding of credit risk concepts (default rates, loss curves, provisioning)
• Familiarity with APIs and data integration concepts
• Experience working with large datasets and data quality issues

Soft Skills

• Strong attention to detail and accuracy in data analysis
• Excellent written and verbal communication skills
• Ability to work independently and manage multiple priorities
• Collaborative mindset and willingness to learn from senior team members
• Ability to communicate data insights across departments including executives, product, and ps teams using clear visualizations and concise storytelling.

Preferred Qualifications

• Experience with Python / creating risk decisioning models
• Knowledge of AWS/cloud data platforms (Redshift, Snowflake)
• Previous experience in marketplace or platform business models

What You'll Learn

• Fintech industry best practices and emerging technologies
• Fintech lead acquisition workflows
• Regulatory compliance and reporting in financial services
• Cross-functional collaboration in a fast-paced startup environment
• Data engineering concepts and modern analytics stack

The annual base salary for the Senior Risk Analyst is expected to be between $120,000 to $135,000. Base salary is one component of MoneyLion's total compensation package, which includes, 401(k) match, multiple health insurance options, disability coverage, life insurance, and unlimited paid time off for salaried positions. Actual salaries will vary based on a candidate's qualifications, experience, skills, and competencies related to the role.