<div><b>Your role in our mission</b></div><div><br /></div><div><span>The successful candidate will join Prosper’s Credit Risk Management Department. The team leverages advanced analytics tools, cutting edge data and techniques to develop credit strategies that govern automated credit decisions in Prosper’s online marketplace. A Credit Risk Senior Analyst at Prosper can apply advanced statistical techniques, algorithms, and industry tools to develop solutions that predict and prevent credit risk associated with Prosper Personal Loans and Credit Cards products. An ideal candidate should have strong hands-on analytical skills and a passion for solving problems in innovative and effective ways.  The faster and more agile risk strategies keep our marketplace competitive and ensure that we continue to deliver on our mission of advancing financial well-being.</span></div><div><br /></div><div><b>We are open to hiring at a Manager, Sr. Credit Risk Analyst or Credit Risk Analyst level:</b></div><div><b><span>Manager: </span></b><span>Bachelor’s degree and 6+ years of working experience or Masters degree with 4+ years relevant experience</span></div><div><b>Sr. Analyst </b><span>- Bachelors degree and 5+ years of working experience or Masters degree with 3+ years of working experience</span></div><div><b>Analyst -</b><span> Bachelors degree and 2+ years of working experience or Masters degree with less experience</span></div><h3>How you’ll make an impact </h3><ul><li>Develop credit strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions</li><li>Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems</li><li>Design A/B tests and understand the risk-return trade-offs</li><li>Develop loss forecasting projections for Credit Card and Improve forecasting accuracy</li><li>Partner with Product, Marketing and Engineering teams to implement strategies and monitor the strategy performance</li><li>Continue to innovate by testing new data, analytics approaches and models</li><li>Conduct ad-hoc analysis related to risk management, investor services, product, and operations</li><li>Analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance driver</li><li>Communicate findings and recommendations to the Risk Management and broader Prosper community</li><li>Work with legal and compliance team to ensure strategies and policies comply with all the regulatory requirements</li></ul><h3>Skills that will help you thrive</h3><ul><li>Manager level: Bachelor’s degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics and 6+ years relevant experience managing credit/ fraud risk OR a Masters degree in above areas with 4+ years relevant experience</li><li>Sr. Analyst level: Bachelors degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics and 5+ years relevant experience managing credit/ fraud risk OR a Masters degree in above areas with 3+ years relevant experience</li><li>Analyst level: Bachelors degree in above areas with 2+ years relevant experience managing credit/ fraud risk OR a Masters degree in above areas with less experience</li><li>Experience managing credit risk and/or fraud and/or data science in consumer lending industry, consumer credit card experience is a plus</li><li>Strong analytical and problem-solving skills</li><li>Experience using machine learning and statistical models to develop strategies</li><li>Must have strong proficiency in SQL, Python and Tableau. Knowledge of R and Knowledge Seeker will be a plus</li><li>Fiserv and/or FICO fraud tool experience is a plus</li><li>Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team</li><li>Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required</li><li>Curious to ask questions, probe into reasons and challenge the status quo</li><li>Self-starter and comfortable dealing with ambiguity</li><li>Strong ownership and motivation to drive business results</li><li>Ability to work in a fast-paced environment and meet deadlines without sacrificing quality</li></ul><h3>What we offer </h3><ul><li>The opportunity to collaborate with a team of creative, fun, and driven colleagues on products that have an immediate and significant impact on peoples lives</li><li>The opportunity to work in a fast-paced environment with experienced industry leaders</li><li>Flexible time off, comprehensive health coverage, competitive salary, paid parental leave</li><li>Wellness benefits including access to mental health resources, virtual HIIT and yoga workouts</li><li>A bevy of other perks including Udemy access, childcare assistance, pet insurance discounts, legal assistance, and additional discounts</li></ul><h3>Interview process</h3><ul><li><b>Recruiter Call:</b> A brief screening to discuss your experience and initial questions</li><li><b>Department Interview:</b> Deeper dive into technical skills and project alignment with the Hiring Manager or team member</li><li><b>Technical Interview:</b> Assesses technical proficiency and problem-solving through live coding, system design, or in-depth technical questions</li><li><b>Team/Virtual Interview:</b> Meet team members for collaborative discussions, problem-solving, or technical exercises</li></ul><div><span>#LI-RC1</span></div><div><span>#LI-Remote</span></div><div><br /></div><div><b>About Us</b></div><div>Founded in 2005 as the first peer-to-peer marketplace lending platform in the U.S., Prosper was built on a simple idea: connect people who want to borrow money with those who want to invest. Since inception, Prosper has helped more than 2 million people gain access to affordable credit with over $27 billion in loans originated through its platform. Our mission is to help our customers advance their financial well-being through a variety of products including personal loans, credit, home equity lines of credit (HELOC), and our newest product, HELoan. Our diverse culture rewards accountability and cross functional teamwork because we believe this encourages innovative thinking and helps us deliver on our mission.  </div><div> </div><div>We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!  </div><div><br /></div><div><b>Our Values</b></div><div><i>Diversity expands opportunities</i></div><div><i>Collaboration creates better solutions </i></div><div><i>Curiosity fuels our innovation</i></div><div><i>Integrity defines all our relationships</i></div><div><i>Excellence leads to longevity </i></div><div><i>Simplicity guides our user experience </i></div><div><i>Accountability at all levels drives results</i></div><div><br /></div><div><a href="http://www.prosper.com/">www.prosper.com</a></div><div><a href="https://www.prosper.com/about">Our Story &amp; Team</a>  //   <a href="https://blog.prosper.com/">Our Blog</a>  </div><div><br /></div><div>Applicants have rights under Federal Employment Laws.</div><div><a href="https://www.dol.gov/agencies/whd/posters/fmla">Family &amp; Medical Leave Act (FMLA)</a></div><div><a href="https://www.eeoc.gov/sites/default/files/migrated_files/employers/poster_screen_reader_optimized.pdf">Equal Employment Opportunity (EEO)</a></div><div><a href="https://www.dol.gov/agencies/whd/posters/employee-polygraph-protection-act">Employee Polygraph Protection Act (EPPA) </a> </div><div><br /></div><div><i>California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA: </i><a href="https://www.prosper.com/plp/legal/privacy-notice-for-applicants/">https://www.prosper.com/plp/legal/privacy-notice-for-applicants/</a></div><div><br /></div><div><i>At Prosper, were looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesnt precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and arent afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.</i></div><div><br /></div><div><i>Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.</i></div>

Prosper Marketplace

Credit Risk Analyst (Senior & Manager level open)

Prosper Marketplace