The Risk and Pricing Analyst I is responsible for compiling and tracking documentation regarding new deals, fraud, and cashflow models. The Risk and Pricing Analyst I will work with and report to senior management to build portfolios and ensure bookings to make sure we are in line with credit policy.
What you will do:
• Observe daily cash flows to ensure that the company is maintaining revenue on loans
• Create monthly cashflow percentage reports to ensure the company is not taking too much risk
• Actively monitor, investigate, and respond to claims of fraud
• Ensure that all policies and processes meet local legislation / regulation and market specific requirements
• Support all aspects of credit risk monitoring, including tracking actual performance at the portfolio and vintage level by
• Risk level (e.g. Credit Grade) and Channel (e.g. ISO / Direct Sales)
• Internal benchmarks (Budget, current forecast and prior years)
• Support all aspects of Pricing for all products, segments, and partners and recommend changes when necessary
• Collaborate with other departments to ensure alignment with loss forecasts, loan loss reserve, and pricing
• Other tasks and duties, as required by management
What we’re looking for:
• Bachelor’s in Business, or quantitative major (e.g. data engineering, finance, etc.) preferred
• 3+ years in financial, risk, or a similar field
• 1+ years in administrative tasks
• Experience creating and presenting strategic business recommendations to senior level management
Additional Required Skills:
• Proficient in Excel, Word, PowerPoint
• Ability to analyze, present, and put together data
• Ability to define business tradeoffs, generate out-of-the box solutions, manage uncertainty, and anticipate the impact of decisions / initiatives
• Excellent verbal, written, and communication skills
• Strong sense of accountability
Kapitus Total Rewards Package Includes:
- Competitive Base Salary Range of $47,800 – $76,700 depending on geographic location and experience
- Annual Incentive Compensation Eligibility – Up to 10% annually
- Health Insurance: We offer comprehensive medical, dental, and employer-paid vision plans through UnitedHealthcare (UHC), with various coverage levels available to meet the needs of our employees and their families.
- 100% Company Paid Insurances: Kapitus fully covers the cost of basic short-term and long-term disability insurance, as well as vision insurance, ensuring our employees have comprehensive protection without any personal expense.
- Voluntary Insurance: Supplemental life insurance as well as enhanced short- and long-term disability coverage are available through Mutual of Omaha, providing additional security for our employees. Additionally, Colonial Accident and Hospitalization insurances are also available, offering further protection against unforeseen events.
- Paid Maternity and Parental Leave: Beyond state-mandated leave policies, Kapitus provides company-paid maternity and parental leave, supporting our employees during important family milestones.
- LifeBalance Program: Enhance your lifestyle with our LifeBalance membership, which offers discounts on outdoor activities, the arts, health, and fitness. Additional benefits include:
- Pet and car insurance discounts.
- Financial services such as LegalShield.
- Relaxation and stress management tools, including a fully covered annual subscription to The Calm App.
- Plum Benefits Discount Program: Access exclusive discounts on shows, travel, car rentals, and more, enriching your personal and family life.
- Tuition Reimbursement: Pursue further education with up to $5,000 annually in tuition reimbursement, plus opportunities to attend relevant conferences and career development events.
- Transit Reimbursement: We also offer transit reimbursement for all work-related travel, supporting your involvement in career and personal development activities.
- Paid Time Off: Employees enjoy 120 Hours of Paid Time Off and can rollover up to 40 Hours to the following year, in addition employees receive 56 hours of Sick Time annually. Unused sick time does not expire; instead, it accumulates in a special accrual bank that never expires and can be utilized for FMLA needs or other approved leaves.
- Retirement Benefits: Our 401K plan is managed through Fidelity, featuring a 25% match on employee contributions, helping you plan for a secure financial future.
About Kapitus:
Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we can provide small businesses with the financing they need when, and how it is needed.
We have spent our entire existence building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work.
We show our teammates our appreciation by offering great benefits, competitive pay and solid opportunity for growth.
Company Mission:
At Kapitus, we strive to empower every business to succeed by providing the best financing options – when they need it and how they need it. Whether we are working with a business directly or through a strategic partner, we will work diligently to provide the most convenient, cost-effective and appropriate financing solution for a business’s needs. We promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity. We will continue to empower small businesses to make educated financial decisions, as we have since our inception in 2006.
Consideration will be given to qualified remote candidates residing in states where Kapitus and/or one of its subsidiaries has an established physical presence
