Top Credit Analyst Jobs in Boston, MA

The Staff Credit Policy Analyst leads the development and governance of credit policies for home loans, ensuring compliance and operational efficiency while collaborating with leadership and cross-functional teams.

Conduct in-depth credit analysis of leveraged floating-rate loans, build and maintain cash flow and valuation models, prepare investment memos, monitor portfolio credit quality and exposures, analyze loan documentation, perform due diligence with market counterparties, and collaborate with portfolio managers and traders on investment decisions and relative-value analysis.

Conduct fundamental credit analysis of insurance, reinsurance, bank, broker/dealer, and treasury counterparties. Prepare formal credit research notes with internal ratings and outlooks, lead due diligence with senior management, monitor existing counterparties, assess macro and industry risks, and advise business units on credit decisions balancing risk and business needs.

Lead assessment and management of customer credit risk across a portfolio. Evaluate creditworthiness, recommend limits and terms, monitor receivables metrics (DSO, delinquencies), support credit policy and compliance (SOX), partner with Sales/Legal/Finance, drive ERP/credit system improvements and reporting, and contribute to audit, process optimization, and credit governance.

Support federal credit reform and allowance-for-loss activities for federal loan programs. Perform loan accounting, cash flow modeling, NPV calculations, data reconciliations, and validate model inputs/outputs against source systems and the general ledger. Maintain historical loan performance data, prepare audit-ready workpapers, document assumptions and SOPs, analyze non-performing loans and reserve needs, and collaborate with accounting, reporting, and program stakeholders to ensure compliance.

Analyze credit policy, approval rates, vintage performance, and portfolio metrics to inform credit strategy. Monitor model/scorecard performance, run tradeoff and scenario analyses, support pricing/term decisions, and produce recurring portfolio reporting and dashboards. Collaborate with collections, fraud, finance, and tech on reporting, model validation, and decisioning platform improvements.

The Credit Policy Analyst maintains and interprets credit policies to ensure alignment with risk appetite and regulatory requirements while providing support for credit-related inquiries.

Lead loss mitigation, build predictive collections models and CECL loss forecasts, design automated conversational recovery strategies, manage credit loss budgeting and vendor selection, and present findings to executive leadership.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, pricing models, vintage and NPV analyses, executive reporting, model integration and testing, and explore alternative data to optimize approval rates and portfolio health.

Design and own loss mitigation and loss-forecasting frameworks (CECL), build predictive collections models and automated contact strategies (WhatsApp/SMS/omnichannel), align with Operations for recovery execution, manage credit loss budgeting and capacity planning, and lead vendor evaluation and onboarding to maximize recovery ROI.

Lead loss mitigation, forecasting, and collections strategy for consumer lending. Build predictive collections models and CECL-based loss forecasts, align conversational operations, manage credit loss budgeting and vendor procurement, and present results to executive stakeholders.

Lead credit analytics for the Send Now Pay Later product: build and optimize valuation, vintage and NPV models; manage credit policies, portfolio monitoring, and NPL reporting; integrate and test scoring models with engineering/data science; and research alternative data to improve predictive performance.

Lead credit analytics for the Send Now Pay Later product: deliver executive portfolio health reporting, NPL trend analysis, and financial/vintage/NPV modeling. Design end-to-end credit frameworks and acquisition/customer management policies, monitor cohort performance, integrate and test ML scorecards with engineering, and evaluate alternative data sources to optimize approval rates and limit defaults.

Lead quantitative credit analytics for a Send Now Pay Later (SNPL) product: build and maintain credit policies, pricing and NPV models, vintage analysis, portfolio monitoring, model integration/testing, and alternative data evaluation to optimize approval rates and manage portfolio health.

Perform and manage QC audits to assess compliance with HUD, state, and federal requirements for reverse and conventional mortgage products. Maintain and update QC checklists, ensure findings are addressed in the LOS, communicate results, meet review timelines, assist leadership with audit process improvements, and ensure fair lending and net benefit compliance.