Credit Risk Analyst

About the company

B9 is a fast-growing fintech company helping hardworking Americans access better financial tools and services. Through the B9 App, members can access B9 Advance℠, digital banking services, a Visa® debit card, cashback rewards, and tools designed to improve financial wellness. As we continue to scale, we are focused on using data and technology to create a better financial experience for millions of customers across the United States.

Credit Risk Analyst – B9 Advance℠

B9 is seeking a Credit Risk Analyst to support the daily monitoring and optimization of the B9 Advance℠ portfolio.

B9 Advance℠ is a cash advance and earned wage access product that helps eligible members access a portion of their expected income before payday. Advance eligibility and available amounts are determined based on recurring income patterns, account activity, and other risk and eligibility factors.

This is a fully remote position working with a distributed team. The role will analyze portfolio performance, identify trends, monitor key risk metrics, and provide data-driven recommendations to improve portfolio quality, customer outcomes, and business performance.

Key Responsibilities

• Monitor daily portfolio performance and key risk metrics.
• Track approval rates, repayment rates, losses, fraud, and portfolio utilization.
• Identify emerging trends, risks, and growth opportunities.
• Perform cohort, vintage, and customer behavior analyses.
• Build and maintain dashboards and performance reports.
• Measure the impact of product and strategy changes.
• Provide actionable recommendations based on data analysis.
• Work closely with Product, Data, Operations, and Marketing teams.

Required Qualifications

• 2+ years of experience in consumer lending, cash advance, EWA, payday lending, or fintech analytics.
• Advanced Excel, SQL skills.
• Experience analyzing large datasets.
• Strong analytical and problem-solving skills.
• Ability to work independently in a remote environment.

Preferred Qualifications

• Experience with cash advance, payday loan, single-payment loan, or earned wage access products.
• Understanding of approval rates, repayment rates, loss rates, fraud, and portfolio performance metrics.
• Experience with cohort analysis, vintage analysis, customer segmentation, and portfolio reporting.
• Experience with Power BI or similar BI tools.

Success Metrics

• Repayment Rate
• Loss Rate
• Fraud Rate
• Portfolio Utilization
• Revenue per Active User
• Overall Portfolio Performance

Why Join B9

• Fully remote position.
• Opportunity to work on a rapidly growing fintech product serving millions of customers.
• High-impact role with direct visibility into portfolio performance and business results.
• Collaborative, data-driven culture with opportunities for growth and ownership.

Perks & Benefits

• Competitive salary
• Discretionary bonus program
• Flexible vacation policy
• Medical, Dental & Vision
• Commuter benefits

Send us your CV - dmitri@bnine.com