Credit Analyst - India

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Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their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 Opportunity: Credit Analyst – India

We're looking for a highly analytical, data-driven Credit Analyst to support the growth and risk management of our India lending business, NIRA Finance – a recent addition to the Empower team. This role will help shape credit policy, drive performance insights, and partner cross-functionally to deliver impactful solutions for our customers.

How You'll Make an Impact

• Develop new credit policies and regularly review and update existing ones to support Empower’s business in India. Collaborate with the technology team to implement and rigorously test these policy changes

• Conduct exploratory data analysis to uncover trends and actionable insights, while continuously monitoring portfolio performance and benchmarking against industry standards

• Collaborate closely with the Data Science team to influence and use models that solve business problems, monitor business outcomes and enhance analytical tools

• Work with NIRA's leadership team to refine and execute the business plans and agenda

• Partner with other credit and data science teams operating internationally and in the US to identify transferable learnings, strategies, and synergies and help implement them

• Partner with leaders in product, engineering, marketing, and finance to ensure that the team’s work fits within the larger picture

Why You're a Great Fit

• 2+ years of experience in credit risk, data analytics, or unsecured lending, preferably in the Indian financial services sector.

• Proficient in SQL, Python, and Excel for data analysis, automation, and performance reporting.

• Strong problem-solving skills and attention to detail, with the ability to dive deep and also communicate insights clearly.

• Familiarity with credit policy development and risk monitoring frameworks.

• Bachelor’s degree in Engineering, Finance, Economics, Computer Science, or a related field.

• Eager to learn and adapt in a fast-paced, globally distributed environment.

• Location: Bangalore, India (preferred).

Our Interview Process

1. Initial Recruiter Call: A conversation to learn about your experience and what you're looking for in your next role.

2. Hiring Manager Interview: A deeper discussion about your background and approach to solving challenges.

3. Skills Panel: Meet with Empower and NIRA team members to discuss your expertise and problem-solving approach through real-world scenarios.

4. Leadership Conversation: A final conversation with our CEO to discuss our mission and how you could contribute to it (and how we can help you achieve your career goals along the way).

Don't meet every qualification? If you're excited about this challenge and driven to innovate, we still want to hear from you!

What You'll Get at Empower

• Meaningful Ownership: Competitive salary and generous equity in a profitable, fast growing company.

• Complete Support: 100% coverage for medical, dental, vision, and life insurance, plus a generous WFH reimbursement.

• High-Impact Teams: The chance to thrive in a small, focused team where your contributions directly shape outcomes for our business and customers.

• Remote First: A virtual first environment built on trust and outcomes.

• Team Connection: Twice-yearly company onsites where we come together to connect, learn, and build for the future (our last few have been in San Diego, Vail, and Flagstaff)!

• Growth Path: Ongoing opportunities for development in a dynamic, supportive, and creative environment.

The Empower Way

The Empower Way is one where bold ambition meets an owner mindset, where open dialogue and spirited debate are encouraged, and where everyone works together to put our customers first. We believe diverse voices lead to the best ideas, and we foster an environment where every individual is valued, heard, and supported as part of one unified team working to change lives and build a more inclusive future.

If that sounds like you, join us and be part of a team that's helping millions of people reshape their financial futures.