Senior Credit Risk Analyst

Description

POSITION DESCRIPTION

EnFin, a subsidiary of Qcells, the leading manufacturer of residential solar panels in the USA, is a financial services company dedicated to making solar energy accessible through innovative financing solutions. Headquartered in Irvine, California, EnFin provides competitive residential solar loans and third-party owned (TPO) products, empowering homeowners to manage energy costs while supporting solar installers’ growth. EnFin delivers seamless, affordable financing options to its extensive dealer network and customers. Join a mission-driven team focused on renewable energy and cutting-edge financial solutions, where your contributions will drive impactful change in the clean energy sector.

We are seeking a highly skilled Senior Credit Risk Analyst to join our team. This role is responsible for monitoring existing credit portfolios, identifying trends and potential risks, and delivering insightful, detailed reports on credit analysis findings. The ideal candidate will have strong analytical skills, deep expertise in credit risk management, and the ability to communicate complex insights effectively to stakeholders.

This position will be based out of one of our offices in Irvine, CA; San Francisco, CA; Santa Clara, CA; Teaneck, NJ; with a potential in-office schedule set at the direct manager’s discretion in accordance with the company policies and procedures.

RESPONSIBILITIES

- Analyze credit and consumer data and evaluate the creditworthiness of individuals or businesses.

- Monitor existing credit portfolios, identifying trends and potential risks.

- Deep expertise in credit risk management principles, including and understanding of credit scoring, loan structuring, and risk mitigation strategies.

- Leverage advanced SQL, SAS and Python skills for data manipulation, processing and analysis to support credit decisions.

- Utilize credit bureau data (e.g. Experian, Equifax, TransUnion) to assess risk profiles, generate predictive analytics and tools such as statistical models for use in evaluating risk.

- Design and generate detailed reports summarizing credit findings and provide actionable insights for lending teams and stakeholders.

- Collaborate with lending teams to provide insights and support decision-making processes.

- Collaborate with IT and data teams to leverage automation tools for credit risk monitoring, reporting, and analytics, ensuring processes remain efficient and scalable.

- Ensure all processes, reporting, and automation initiatives adhere to regulatory requirements, internal policies, and industry best practices.

- Stay updated on industry trends, credit lending, and changes in credit bureau reporting standards.

REQUIRED QUALIFICATIONS

- Bachelor's degree in finance, Economics, Statistics, Mathematics or a related field, with a minimum of 8 years of professional work experience including 3+ years of experience in credit lending models or in a similar role working with credit data and credit bureau data.

- Demonstrated expertise in designing and generating reports for portfolio and credit analysis.

- Advanced proficiency in SQL, SAS or Python for data manipulation, processing and analysis.

- Proficiency in interpreting credit reports from major credit bureaus (Experian, Equifax, TransUnion).

- Strong analytical skills with the ability to interpret complex credit and financial data and model outputs.

- Familiarity with credit scoring models and risk assessment tools.

- Excellent attention to detail and problem-solving abilities.

- Proficient in Microsoft Excel; experience with data visualization tools (e.g. Tableau) is a plus.

- Strong communication skills, both written and verbal, to present findings clearly to stakeholders.

- Knowledge of regulatory requirements (e.g., FCRA, ECOA) related to credit underwriting is preferred.

- Ability to work independently and manage multiple priorities in a fast-paced environment.

PREFERRED QUALIFICATIONS

- Master’s degree in Statistics, Mathematics, Economics or a related field.

- Experience with automated credit decisioning systems.

- Understanding of lending products, including personal loans, mortgages, or commercial credit.

- Solar Industry experience (Renewable).

Hanwha Q CELLS America Inc. (“HQCA”) is a Qcells company, one of the world’s largest manufacturers and providers of solar photovoltaic (PV) products and solutions. Headquartered in Irvine, California, HQCA has been rapidly expanding its business in North America through the expansion of products and solutions, including distributed energy solutions, direct-to-homeowner solar sales and financing, and EPC services. We provide an opportunity to be part of an exciting and growing world-class global business in an interesting and expanding industry of the future.

PHYSICAL, MENTAL & ENVIRONMENTAL DEMANDS:

To comply with the Rehabilitation Act of 1973 the essential physical, mental and environmental requirements for this job are listed below. These are requirements normally expected to perform regular job duties. Incumbent must be able to successfully perform all of the functions of the job with or without reasonable accommodation.

Mobility

Standing

20% of time

Sitting

70% of time

Walking

10% of time

Strength

Pulling

up to 10 Pounds

Pushing

up to 10 Pounds

Carrying

up to 10 Pounds

Lifting

up to 10 Pounds

Dexterity (F = Frequently, O = Occasionally, N = Never)

Typing

F

Handling

F

Reaching

F

Agility (F = Frequently, O = Occasionally, N = Never)

Turning

F

Twisting

F

Bending

O

Crouching

O

Balancing

N

Climbing

N

Crawling

N

Kneeling

N

The salary range is required by the California Pay Transparency Act and may differ depending on the location of those candidates hired nationwide. Actual compensation is influenced by a wide array of factors including but not limited to, skill set, education, licenses and certifications, essential job duties and requirements, and the necessary experience relative to the job’s minimum qualifications.

- This target salary range is for CA positions only and should not be interpreted as an offer of compensation.

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