Sr. Director, Credit Risk Analytics.

Remote Compliance & Risk Management Full-Time

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Sr. Director, Credit Risk Analytics: our view in 3 lines...

The Role:This role leads credit risk analytics for a personal loan business in consumer lending.
The Person:The person will review and improve credit, pricing, and verification strategies, own credit risk management, and guide automated decisioning to support growth and reduce credit and fraud losses.
Requirements:The role requires credit underwriting, pricing strategies, verification strategies, ML/AI models, and deep consumer lending expertise.

About the role

Your role in our mission

As the first peer to peer lending marketplace in the United States, Prosper has a history of innovation. As a growing company that is profitable and generates cash (rare in the Valley), Prosper also has a history of generating results.

The Senior Director, Credit Risk Analytics is a pivotal leadership role responsible for credit underwriting, pricing, verification strategies, and the overall credit performance of our Personal Loan business. In this role, you will review, analyze, and elevate our credit, pricing, and verification strategies by leveraging ML/AI models and data to drive profitable growth and attractive investor returns.

You will own the entire lifecycle of credit risk management. Because this touches every part of our business, you must be a strong collaborator who can work seamlessly across Capital Markets, Product, Engineering, Legal, Compliance, Operations, and Marketing.

The ideal candidate brings deep consumer lending expertise but remains endlessly curious. You will be a hands-on leader who guides the team in developing automated decisioning strategies, owning the end-to-end process to support profitable growth while effectively managing credit and fraud losses. We are looking for a passionate business and people leader with the acumen and domain expertise to tackle challenges in truly innovative ways, ensuring we continually deliver on our mission of advancing financial well-being.

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About Us

Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.

Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com.

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!

Our Values

Diversity expands opportunities
Collaboration creates better solutions
Curiosity fuels our innovation
Integrity defines all our relationships
Excellence leads to longevity
Simplicity guides our user experience
Accountability at all levels drives results

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Applicants have rights under Federal Employment Laws.

Family & Medical Leave Act (FMLA)

Equal Employment Opportunity (EEO)

Employee Polygraph Protection Act (EPPA)

California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.

Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.

At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't 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 aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.

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.

*All personal loans are made by WebBank.

¹The Prosper Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International.

Published August 8, 2026

Location United States, United States of America

Category Compliance & Risk Management

Job Type Full-Time

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