United States · Remote OK
$227k–$338k/yr
Your role in our mission As the first peer to peer lending marketplace in the United States, Prosper has a history of innovation. As a growing company that is profitable and generates cash (rare in the Valley), Prosper a…
Skills: Credit risk management, Credit underwriting, Pricing strategy, Verification strategies, ML/AI models
United States · Remote OK
$129k–$179k/yr
Your role in our mission Prosper is seeking a Data Scientist under the Credit Risk Analytics vertical. You will become a core contributor with machine learning expertise in the credit risk team, delivering results that d…
Skills: Machine learning, Credit risk, Python, SQL, Predictive modeling
San Francisco, California, United States · Hybrid
$135k–$169k/yr
Your role in our mission This position sits at the intersection of product design, technical platform work, and systems thinking. The Senior UX Designer on Foundations shapes the systems that ensure a consistent, secure,…
Skills: Product design, Design systems, Figma, Prototyping, Auto-layout
San Francisco, California, United States · Hybrid
$149k–$188k/yr
Your role in our mission The Product Manager is responsible for the strategy, product planning and execution throughout the product lifecycle, including: defining the product vision, gathering and prioritizing product re…
Skills: Product Strategy, Product Roadmap, Backlog Prioritization, Data Analysis, Agile Methodology
United States · Hybrid
$122k–$140k/yr
Your role in our mission As the first peer to peer lending marketplace in the states, Prosper has a history of innovation. As a growth company that generates cash, Prosper also has a history of generating results. We are…
Skills: SQL, Python, DBT, Looker, Credit Risk Management
United States · Remote OK
$129k–$140k/yr
Your role in our mission As the first peer to peer lending marketplace in the states, Prosper has a history of innovation. As a growth company that generates cash, Prosper also has a history of generating results. We are…
Skills: SQL, Python, DBT, Looker, Credit Risk Management
Jackson, Tennessee, United States · On-site
Residential HVAC Service Technician EPA 608 Universal Certification Required Job Listing — Skill Requirements & Qualifications Certifications & Licenses (Required) • EPA Section 608 Universal Certification — required by …
Skills: EPA 608 Universal Certification, HVAC Diagnosis and Repair, Refrigerant Recovery, Electrical Troubleshooting, Gas Furnace Service
San Francisco, California, United States · Hybrid
$84k–$100k/yr
Your role in our mission We are seeking a resourceful, reliable, and motivated Desktop Engineer to help manage the technology needs of employees in our San Francisco office. A qualified candidate will have solid experien…
Skills: MacOS Support, Windows Support, Troubleshooting, Remote Management, Active Directory
United States · Hybrid
$190k–$230k/yr
Your role in our mission As the first peer to peer lending marketplace in the United States, Prosper has a history of innovation. As a growing company that generates cash (rare in the valley), Prosper also has a history …
Skills: Credit Risk Analytics, Machine Learning, Portfolio Management, Credit Strategy Development, A/B Testing
Jackson, Tennessee, United States · On-site
Marketing Intern (Content & Social Media Focus) 📍 Jackson, TN ⏰ Part-Time Internship (Flexible Schedule) 💲 Paid Internship Prosper is looking for a creative and driven Marketing Intern to support our growing brands acr…
Skills: Social Media Content Creation, Video Production, Brand Awareness, Community Engagement, Copywriting
Jackson, Tennessee, United States · On-site
We are currently seeking Property Maintenance Techs to join our team! You will be responsible for completing work orders and other required tasks. Responsibilities: Safely and Legally operate a Company Vehicle. Complete …
Skills: Property Maintenance, Plumbing, Electrical Repair, HVAC Maintenance, Drywall Repair
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The Senior Director of Credit Risk Analytics will lead credit underwriting, pricing, and verification strategies to drive profitable growth and manage credit performance. This role involves leveraging ML/AI models and collaborating across departments to ensure credit losses remain within the company's defined risk appetite.
Candidates must possess a Master's degree or higher in a quantitative field and at least 12 years of experience in credit risk within the personal loan or credit card sectors. Additionally, 7+ years of people leadership experience and strong communication skills are required to effectively influence executive leadership and stakeholders.
As the first peer to peer lending marketplace in the United States, Prosper has a history of innovation. As a growing company that is profitable and generates cash (rare in the Valley), Prosper also has a history of generating results.
The Senior Director, Credit Risk Analytics is a pivotal leadership role responsible for credit underwriting, pricing, verification strategies, and the overall credit performance of our Personal Loan business. In this role, you will review, analyze, and elevate our credit, pricing, and verification strategies by leveraging ML/AI models and data to drive profitable growth and attractive investor returns.
You will own the entire lifecycle of credit risk management. Because this touches every part of our business, you must be a strong collaborator who can work seamlessly across Capital Markets, Product, Engineering, Legal, Compliance, Operations, and Marketing.
The ideal candidate brings deep consumer lending expertise but remains endlessly curious. You will be a hands-on leader who guides the team in developing automated decisioning strategies, owning the end-to-end process to support profitable growth while effectively managing credit and fraud losses. We are looking for a passionate business and people leader with the acumen and domain expertise to tackle challenges in truly innovative ways, ensuring we continually deliver on our mission of advancing financial well-being.
\nHow You’ll Make an ImpactInnovate and Optimize: Develop cutting-edge credit, pricing, and verification strategies to continually enhance credit and fraud performance using data, ML/AI models, and advanced analytics tools. Bring an out-of-the-box mindset to our credit and fraud risk management framework, balancing risk-return trade-offs with creative solutions.
Drive Strategy and Action: Translate complex findings into actionable enhancements. Present data-driven recommendations to executive leadership and the Credit Risk Committee, always weighing business impact and resource allocation.
Master External Communication: Serve as a trusted voice to our investors, translating complex data into clear, compelling narratives and insights that build confidence and transparency.
Champion Cross-Functional Collaboration: Partner seamlessly with the Capital Markets, Product, Marketing, Operations, Legal, Compliance, and Engineering teams. Cultivate an open-minded environment where internal and external stakeholders can work together to implement and monitor high-performing strategies.
Manage Risk Appetite: Ensure credit losses consistently remain within the company’s defined risk appetite. Oversee credit loss forecasting and stress testing exercises.
Discover New Capabilities: Identify, evaluate, and build business cases for new vendors, alternative data sources, and emerging technologies.
Monitor and React: Analyze portfolio performance at a granular segment level on an ongoing basis to identify key performance drivers, spot emerging trends, and implement strategy changes as needed.
Education: Master’s degree or higher in Business, Statistics, Mathematics, Engineering, Economics, or a related quantitative field.
Experience: 12+ years of experience managing credit risk within the Credit Card or Personal Loan sectors. Deep knowledge of credit and fraud risk management, with a strong business acumen. (Experience in loss forecasting is a strong plus).
Leadership: 7+ years of people leadership experience, with a proven ability to mentor, develop, and inspire high-performing, innovative teams.
Exceptional Communication: Outstanding written and verbal communication skills. You can articulate complex analyses and technical processes clearly, succinctly, and persuasively to internal stakeholders, external partners, investors, and executive leadership.
Collaborative Mindset: A strong team player and a relationship-builder. You possess a business-owner mentality and an open-minded approach that allows you to partner effectively across diverse functions and viewpoints.
Agility: Demonstrated ability to thrive in a fast-paced environment and meet deadlines without compromising quality. A quick, agile thinker who can confidently and constructively address questions on unfamiliar topics with clarity and conviction.
Thought Leadership: The capability to build, refine, and elevate credit strategy frameworks through structured, yet highly innovative approaches.
Flexibility: Ability to work productively in a hybrid environment, balancing remote and in-person collaboration effectively.
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About Us
Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.
Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com.
We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!
Our Values
Applicants have rights under Federal Employment Laws.
Family & Medical Leave Act (FMLA)
Equal Employment Opportunity (EEO)
Employee Polygraph Protection Act (EPPA)
California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.
Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.
At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.
Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.
*All personal loans are made by WebBank.
¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.
Providing affordable financial solutions to consumers across the credit spectrum since 2005. NMLS #111473
Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped nearly 2.5 million customers achieve financial well-being through a comprehensive suite of digital personal finance products. Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com. *All personal loans are made by WebBank. ¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International. Prosper Funding LLC 221 Main Street, Suite 300 | San Francisco, CA 94105 © 2005-2026 Prosper Funding LLC. All rights reserved. Prosper's borrower payment dependent notes (“Notes”) are offered pursuant to Prosper’s Prospectus (https://prosper.com/prospectus/)
Offices: 221 Main Street, Suite 300, San Francisco, CA 94105, US
Providing affordable financial solutions to consumers across the credit spectrum since 2005. NMLS #111473
Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped nearly 2.5 million customers achieve financial well-being through a comprehensive suite of digital personal finance products. Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com. *All personal loans are made by WebBank. ¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International. Prosper Funding LLC 221 Main Street, Suite 300 | San Francisco, CA 94105 © 2005-2026 Prosper Funding LLC. All rights reserved. Prosper's borrower payment dependent notes (“Notes”) are offered pursuant to Prosper’s Prospectus (https://prosper.com/prospectus/)
Offices: 221 Main Street, Suite 300, San Francisco, CA 94105, US
