Unlock’s mission is to unleash the power of home equity to enrich people’s lives. We do this through a financial solution called a Home Equity Agreement or HEA, an entirely new way to access and utilize home equity. We’re not a lender, so there are no interest charges or monthly payments and homeowners with poor credit or high levels of debt can still qualify. We're beyond passionate about helping our customers build greater financial resiliency. We are mission driven, consumer centric and our products are designed for the way homeowners want to live their lives today - with flexibility and control.
About the role
We are building out our Credit Risk Management (CRM) framework and are seeking a highly analytical and detail-oriented Risk and Reporting Analyst (RRA) to support these efforts, driving risk-related reporting and analyses across the organization. This is a unique opportunity for someone passionate about credit risk to play a critical role in shaping our risk management capabilities.
As an RRA, you will be responsible for supporting the development of robust risk management frameworks, with a primary focus on credit risk and reporting. You will work closely with risk leadership to create and maintain reporting tools, track risk metrics, and analyze portfolio performance.
What you'll do
- Credit Risk Reporting: Develop and maintain detailed reports on credit risk exposures, portfolio performance, key risk indicators (KRI’s), and other metrics for internal stakeholders and senior management
- Data Analysis & Visualization: Perform in-depth data analysis to support the identification of emerging risks, trends, and areas of improvement within the credit risk and ERM functions; utilize tools such as SQL, Excel, and visualization software (e.g., Power BI, Tableau)
- Risk Metrics Development: Collaborate with the risk management team to define and refine key risk metrics, risk appetite frameworks, and thresholds for monitoring the organization’s risk profile
- Support Model Development: Assist in the development and validation of credit risk models, ensuring that they are aligned with regulatory requirements and industry best practices
- Regulatory Compliance Support: Ensure that risk reporting adheres to relevant regulations and supports internal compliance and audit requirements
- Cross-Functional Collaboration: Work with product, finance, and operations teams to ensure alignment on risk management processes and reporting
- Risk Assessment: Help identify areas of risk exposure and provide recommendations for risk mitigation strategies; contribute to the periodic risk assessment process across CRM
- Governance: Prepare Credit Risk Committee materials and support the Director of Credit Risk in providing experienced credit risk perspective and input
What we're looking for
- 3+ years of experience in risk analysis, credit risk management, or enterprise risk management within fintech, financial services, or related industries
- Strong analytical skills with the ability to handle large datasets and conduct complex data analysis
- Proficiency in data analytics and reporting tools such as SQL, Python, R, or similar. Familiarity with visualization tools like Tableau, Power BI, or Looker is a plus
- Experience in credit risk metrics, risk models, and enterprise risk frameworks
- Understanding of regulatory requirements related to credit risk and enterprise risk (e.g., stress testing, capital adequacy, risk-weighted assets)
- Excellent attention to detail, with strong organizational and communication skills
- Ability to collaborate with cross-functional teams and explain complex risk concepts to non-technical stakeholders
- A passion for fintech and innovation in financial services
- Bachelor’s or advanced degree in finance, economics, mathematics, statistics, or a related field
- Experience in Residential Mortgage, Home Equity Lending, HELOC’s, or Home Equity Agreements (HEA’s)
- Experience in supporting the build-out of risk management frameworks in a startup or hypergrowth environment
- Understanding of traditional and alternative data sources in credit risk assessment
What we offer
- Opportunity to contribute to the build-out of CRM in a rapidly growing fintech company
- A dynamic work environment with opportunities for learning and professional development
- Competitive compensation and benefits package
- Collaborative and inclusive company culture
- Flexible work arrangements and a focus on work-life balance
Target base compensation is $125,000 annually. Actual base salary varies based on factors, including but not limited to, relevant skill, prior experience, education, base salary of internal peers, demonstrated performance, and geographic location. Additionally, Unlock's Total Rewards package is highly competitive, designed to support your success at work, at home, and at play – such as 401K matching, health benefits, employee stock options and paid time off.
Unlock is an equal opportunity employer. We evaluate qualified applicants without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, sexual orientation, gender identity or other protected status under all applicable laws, regulations, and ordinances.
Top Skills
What We Do
Unlock helps everyday American homeowners that have been left behind by the traditional home and finance system. While there are many ways to tap home equity, a home equity agreement (HEA) from Unlock is unique because it was designed to help families solve their financial challenges, and in doing so help them live more successful financial lives
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