A loan can look fine on paper and still go bad eighteen months later, because nobody caught the one warning sign that mattered. That's the gap. We need a
Remote Loan and Credit Risk Analyst to close it before a default occurs, rather than after.
About the Role
Evaluating loan applications and existing portfolios, figuring out where the real risk actually sits — not just what a score says, but what the numbers underneath actually show. These decisions carry weight either direction. Too loose, and it costs money later. Too tight, and someone who deserved a fair shot doesn't get one.
What Fills the Day
Digging through credit reports, bank statements, financial documents in general. Building scorecards and models that predict how a loan's likely to perform down the road. Writing risk reports clear enough that someone can act on them fast, not spend twenty minutes decoding them first. Watching existing portfolios for early signs something's slipping, flagging trends before they become real problems. Compliance runs through all of it — not a separate box to check, just part of how the work gets done. Cross-functional work comes up too, refining risk policy alongside other teams instead of working alone in a corner.
What Gets You Considered
A Bachelor's degree in Finance, Economics, Statistics, or something close. That's the education floor. Experience-wise, three years minimum in loan underwriting, credit analysis, or risk management.
- Bachelor's degree in Finance, Economics, Statistics, or related field
- 3+ years in loan underwriting, credit analysis, or risk management
- Knows FICO, VantageScore, and alternative credit scoring models well
- Reads income statements, balance sheets, and cash flow without needing help
- Some background in fraud detection and early warning systems
- Writes clearly — reports here need to hold up under real scrutiny
Doesn't hurt if you've got: direct FDIC, OCC, or CFPB compliance experience, exposure to fintech-specific risk models, or a habit of managing several deadline-heavy projects at once without dropping any of them.
How the Work Runs
Fully remote. Results-driven, structured workflows, mostly async. Regular check-ins keep people aligned without turning into micromanagement. This one's posted in a few places right now, Naukri Mitra included — same review no matter where the application comes from.
Tools You'll Use
Loan origination software and credit risk modeling tools carry most of the daily work. Excel and Power BI for analysis and visuals. Secure document systems keep sensitive data properly locked down. APIs and dashboards pull data together in real time. Slack and Zoom handle day-to-day communication.
Pay and What's Included
This role pays
$168,500 a year.
- Paid time off, sick leave, holidays
- Health, dental, and vision coverage
- Home office stipend and equipment support
- Reimbursement for professional development and training
- Flexible hours built around results, not clock-in time
Where It Can Lead
Analysts who consistently produce sharp, defensible work tend to move toward leading high-visibility audits or mentoring newer team members over time. Some shift into fintech compliance or credit innovation, specifically as those areas continue to grow. Digital transformation work in loan operations is another common path for people who stay sharp on both the analytical and regulatory side.
Apply
Open to remote applicants worldwide, including candidates in the U.S. and India, along with several other eligible regions. Send your resume with a brief note about your credit analysis or risk management background, and we'll follow up.
