Credit Risk Manager

Who We Are:

Real (Nasdaq: REAX) is a publicly traded, fast-growing global real estate brokerage powered by technology and driven by people. Since our founding in 2014, we’ve been reimagining the residential real estate experience. With operations across the U.S., Canada, India, and the District of Columbia, we’re leading the industry with our cutting-edge platform that empowers agents, simplifies the buying and selling journey, and unlocks greater financial opportunities.

At Real, we believe in pairing Tech x Humanity to create something truly different.

Learn more at https://www.onereal.com/

Work Schedule: Standard business hours based on local time zone, Monday - Friday.

About the Role:

We are looking for a data-driven Credit Risk Manager to build the analytical backbone of Real Wallet Capital - our dynamic line of credit for real estate agents.

This is not a maintenance role; it is a build role. You will be the primary owner of credit analytics, responsible for translating raw data into risk policies, pricing strategies, and loss forecasting models. You will help us scale a safe, innovative, high-growth lending business from the ground up.

If you are an AI, SQL, and Python-native analyst who loves credit strategy, thrives in ambiguity, and wants to shape the future of financial products for real estate agents, we want to hear from you.

What You’ll Do:

• Build the Risk Engine: Develop and own the analytical framework for credit risk, including underwriting models, loss forecasting, and credit policy definition using SQL and Python.

• Monitor Portfolio Health: construct comprehensive dashboards (Sigma, Looker, or similar) to track repayment behavior, vintage performance, delinquency roll rates, and unit economics.

• Drive Strategy & Optimization: Analyze product performance to recommend data-backed changes to product designs that maximize funding availability while protecting downside.

• Lead New Product Analysis: Conduct deep-dive assessments on market segments and risk profiles to help design and launch future financial products for real estate agents.

• Automate & Innovate: Leverage AI tools (ChatGPT, GitHub Copilot) to accelerate code generation and insight discovery, moving our risk processes from manual reviews to automated decisioning.

• Collaborate Cross-Functionally: Partner closely with Product, Finance, and Operations leadership to translate complex risk data into clear, actionable business strategies.

What You’ll Bring:

• Technical Fluency: Strong proficiency in SQL and Python is required; you must be comfortable querying raw data and building your own analytical models.

• Credit Domain Expertise: A solid grasp of credit risk principles for SMB or consumer lending, including repayment modeling, vintage analysis, and concentration risk.

• Visualization Skills: Experience building dashboards and analytical tools using platforms like Sigma, Looker, Tableau, or Metabase.

• High-Leverage Toolkit: Ability to utilize AI tools to dramatically increase speed and output quality in a lean environment.

• 0 to 1 Mindset: You thrive in ambiguity and are energized by building processes from scratch rather than just managing existing ones.

• Clear Communication: Exceptional ability to simplify complex quantitative findings into clear written and verbal narratives for executive stakeholders.

Education & Experience:

• Bachelor’s degree in a quantitative or analytical field (e.g., Economics, Finance, Mathematics, Statistics, Engineering, or Computer Science).

• 3+ years of experience in credit risk, analytics, fintech lending, specialty finance, or adjacent fields.

• Experience in a high-growth startup or fintech environment is a strong plus.

How We Work: Our Operating Principles

Our Operating Principles are the blueprint of Real’s culture. They guide how we show up, make decisions, and bring our mission to life every day:

• Be Agent Obsessed: We design every decision around creating value for our agents and their clients.

• Move Fast with Purpose: We act with urgency, clarity, and focus—without compromising our standards.

• Own Your Outcome: Effort matters, but results matter more. We adapt, learn, and improve.

• Be Bold; Challenge Often: We challenge assumptions, rethink “the usual,” and push for smarter, simpler solutions.

• Win Together: We set high standards, collaborate deeply, and celebrate shared success.

Additional Details:

• Location Requirements: Candidates must be based in the U.S. or Canada to be considered.

• Physical Requirements: Ability to sit for long periods of time.

Our Commitment:

Real Broker LLC is proud to be an equal opportunity employer. We celebrate diversity and are committed to building an inclusive environment for all employees. We welcome applicants of all backgrounds and identities, and we do not discriminate on the basis of race, color, ancestry, religion, sex, sexual orientation, gender identity or expression, age, marital or family status, disability, citizenship, veteran status, or any other status protected by applicable law.