Credit Analyst

Credit Analyst – Data Science Focus (Contract, 6+ months) Rate: $55-70/hr W2 Location: Remote About the Opportunity York Solutions is seeking a Credit Analyst with a strong background in data science and analytics to support the development of credit risk decision strategies across the customer lifecycle. This role focuses on using data-driven insights to optimize credit performance, strengthen decision frameworks, and enhance profitability through advanced analytics. You’ll collaborate closely with cross-functional partners in Risk, Operations, Product, and Technology to evaluate trends, design solutions, and implement credit strategies that balance growth and risk. Key Responsibilities • Develop and manage credit risk decision strategies across new accounts, portfolio management, and collections. • Use Python, SQL, and Excel to analyze credit performance, identify trends, and produce actionable insights. • Partner with Operations, Risk, and Technology teams to evaluate, test, and deploy credit controls and decision improvements. • Perform deep-dive analyses on portfolio performance to identify emerging risks and areas for optimization. • Collaborate with cross-functional partners, including Decision Science and Fraud, to track data quality, model performance, and profitability. • Support the development and enhancement of systematic and manual credit processes in alignment with internal governance and compliance standards. • Monitor marketplace developments to maintain awareness of industry best practices and risk innovations. Required Skills & Experience • Master’s degree in Data Science, Mathematics, Computer Science, Statistics, or a related quantitative field. • 5+ years of experience in data and analytics, or 3+ years in credit or fraud risk analytics. • Hands-on experience with Python, SQL, and Excel for data analysis and reporting. • Strong analytical and quantitative problem-solving skills, with the ability to synthesize complex data into business insights. • Familiarity with credit risk models, decision engines, and risk governance processes. • Excellent written and verbal communication skills with both technical and non-technical audiences. Preferred Skills • Experience in the payments or financial services industry. • Familiarity with machine learning tools, data visualization platforms, and risk decision systems. • Knowledge of credit lifecycle management and compliance requirements. Benefits: York Solutions Offers a generous benefits package for eligible full-time employees: • BCBS Medical with 3 Plans to choose from (PPO and High deductible PPO plans with Health Savings Program) • Delta Dental plan with 2 free cleanings and insurance discounts • Eye Med Vision with annual check-ups and discounts on lens • Life and Accidental Death Insurance paid by company • John Hancock 401(k) Retirement Plan with discretionary company match • Voluntary Insurance programs such as: Hospital Indemnity, Identity Protection, Legal Insurance, Long Term Care, and Pet Insurance. • Flexible work environment with some remote working opportunities • Strong fun and teamwork environment • Learning, development, and career growth