Job Description
- *Role Overview**
Mercor is hiring experienced **Credit Risk Analysts** to support a cutting-edge AI research collaboration focused on replicating real-world lending workflows. You will contribute domain expertise to help design and evaluate AI agents performing tasks such as credit decisioning, loan pricing, and risk modeling.
- This role is ideal for someone with strong analytical experience in underwriting or consumer credit strategy, who understands how credit decisions are made at both the borrower and portfolio levels.
- *Key Responsibilities**
- Evaluate AI-generated credit risk assessments for accuracy, consistency, and regulatory compliance.
- Simulate scenarios involving credit approvals, denials, or counteroffers based on borrower data.
- Review synthetic applicant files including income, DTI, credit reports, and policy overlays.
- Collaborate on rubrics to assess decision quality in areas such as default risk, pricing tiers, and credit policy adherence.
- Flag bias triggers or disparate treatment risks in model behavior (e.g., FCRA, ECOA, UDAAP violations).
- Provide structured written feedback to research teams and participate in async model evaluation loops.
- *Ideal Qualifications**
- 3+ years experience in credit risk, consumer underwriting, or credit policy roles at a financial institution, fintech, or rating agency.
- Deep understanding of FICO scoring, risk segmentation, pricing matrices, and loss forecasting methods.
- Proficient with credit decisioning systems and tools (e.g., Experian/Equifax APIs, SAS, SQL, or internal underwriting engines).
- Familiarity with regulatory frameworks including ECOA, FCRA, UDAAP, and Fair Lending.
- Strong writing and analysis skills; able to explain risk decisions clearly.
- Experience working cross-functionally with product, compliance, or data science teams is a plus.
- *Project Timeline**
- **Start Date:** Immediate (July 15th)
- **Duration:** 4 weeks
- **Commitment:** Part-time, ~20 hours/week
### **Application & Onboarding Process**
1. **Submit Resume & Application Form**
2. **Model‑training interview** – 25 minutes conversational session designed to get to know your professional background, experience, and motivations.
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