Sr. Credit Analyst - Cashalo/Empower, Asia Pacific (Remote)

EMPOWER OVERVIEW

Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we’re helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed.

This year, Empower ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list — our third year in a row cracking the top 100 — and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America’s Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022’s Next Big Things in Tech.

Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles — we can’t wait to meet you.

THE EMPOWER WAY

Great Expectations: We come up with bold, audacious goals for ourselves and go all out for impact

Owner Mindset: We give every employee latitude to act independently, make smart choices, and move the business forward

Spirited Debate: We love skeptics and seek counter opinions to challenge our personal assumptions and expand our view

Customer Obsession: We listen to understand, empathize, and create a memorable, rewarding experience for our community

Inclusive Collaboration: We believe diverse teams make the best decisions, and we strive to give diverse voices a seat at the table

No Jerks Allowed: We value our relationships and take the time to build trust and connection and communicate respectfully

WHAT EMPOWER OFFERS

Competitive salary

Generous equity package

Full healthcare benefits

Technology expense reimbursement

Work from anywhere

Cashalo OVERVIEW

Empower is a fast-growing fintech on a mission to expand access to fair credit to give anyone the opportunity to improve their financial security and mobility. We recently launched in Southeast Asia through our acquisition of Cashalo, a leading online lending platform, and the fastest growing lender in the Philippines. Our mission to expand access to credit in the region will take creativity, passion, and drive.

JOB DESCRIPTION

Empower is searching for a talented problem solver to grow our business and manage credit risk of our lending products. You will be joining in the early stages of a fast growing company, and have the opportunity to jump right in on many exciting and impactful credit projects.

The ideal candidate is passionate about using data and analytics to drive business growth and help customers improve their financial situations.  This individual will support workstreams across credit policy, testing, and valuations, as well as partnering with product, tech, and finance teams to build out solutions that drive value for Empower and our customers.  The right person for this role is someone who shines while solving complex problems with accuracy and attention to detail. This role requires strong familiarity with both SQL and Excel.

Travel for company offsites is expected at a minimum 2 times a year.

Key Responsibilities

• Use data to optimize policies, driving better outcomes for Empower and our customers

• Build financial models to provide detailed estimates and refine strategies

• Create and manage automated systems to monitor business performance

• Design tests to measure effectiveness of new strategies where data is limited or non-existent

• As your career progresses, become an expert in and owner of one or multiple subsections within the credit space

Job Qualifications

• B.S. degree in engineering, business, finance, computer science or mathematics

• 2+ years industry experience in data analytics, with a focus on using data to solve complicated and ambiguous problems

• Strong SQL abilities with high accuracy and attention to detail

• Strong verbal and written communication skills, particularly in documenting or outlining complex metrics, systems, and processes

• Comfort with ambiguity; the ability to lay out and test clear hypotheses, and solve problems without well-defined direction

At Empower, we hire for people that push themselves to understand others and seek out ways to challenge their personal assumptions. Our hope is that by fostering such an environment, we strengthen our business and relationships by putting people first. We are committed to building a diverse, inclusive, and equitable workspace where everyone (regardless of age, education, ethnicity, gender, sexual orientation, or any personal characteristics) feels like they belong. Even if your experience doesn’t exactly match up to our job description, you should feel empowered to apply regardless!