Grover’s vision is for more people to get the best out of life – with flexible, affordable access to the tech they want. Our monthly tech rental subscription model is a more sustainable way to use tech – as part of the circular economy.

Grover is growing. Fast. In 5 years, we’ve gone from a small startup based in a Berlin apartment to a team of 200+ people, offering flexible tech rental across Germany, Austria, Spain and The Netherlands. And we’re just getting started. This year, we’re expanding into even more countries and launching even more innovative ways for people to access tech – for them to get more tomorrow now.

Tomorrow’s tech lets us achieve extraordinary things, to experience deeper, work smarter, play harder and live better. So if you want to join us on our mission to get tech into more people’s hands in a simple, smart, sustainable way, we’d love to have you on the team.

We are looking for a Credit Risk Analyst - USA (m/w/x) to join our team.

As Credit Risk Analyst - USA you will:

  • Be one of the first hires in the US and play a key role in Grover’s expansion 
  • Partner directly with our newly appointed GM - US to oversee all Risk Metrics
  • Monitor and review the acquisition of qualified customers, providing insights and recommendations to improve Grover’s credit risk model
  • Provide framework and execution for Champion Challenger setup 
  • Collaborate cross functionally with our European based Risk Department to share best practices and market-level insights with internal stakeholders
  • Work with our Data Scientists to review performance of our ML models
  • Analyze transactions and fraud patterns that drive changes in our decision making process 
  • Partner with our Fraud Analysts to continuously review customer order trends
  • Be responsible for back-testing, risk reporting, and dashboard monitoring
  • Prepare risk reporting and regular management reports
  • Track daily / weekly / monthly subscription volume and look for ways to improve order approval conversio

You care about:

  • Ownership: you easily communicate ideas, implement them, and take responsibility for your actions
  • Helping others: sharing knowledge with your colleagues is on top of your priorities
  • Fast-paced startups: you love adapting to different situations, and you know how and when to iterate fast and with high quality
  • Passion: to improve processes and drive efficiencies
  • Our product: you believe in our vision, and are willing to give your best to build the future of Grover

We are looking for a passionate Credit Risk Analyst - USA with:

  • 3-5 years of experience in consumer lending (preferably online) and risk management experience in a banking / financial services
  • BA/BS in a quantitative field such as mathematics, statistics, natural sciences, business analytics (or equivalent experience)
  • Willingness to take a modern approach to Credit Risk Management
  • Genuine curiosity to test, learn, iterate, and optimize for acceptance and default rate metrics
  • The ability to work with Head Office functions in US and our Global Risk team in Europe
  • Strong written and verbal communication skills
  • Strong analytical, organizational, and problem-solving skills
  • Experience with communicating data-driven insights
  • Solid knowledge of SQL 
  • Familiarity with either Python (numpy, scipy, pandas) or R programming languages is a plus
  • Familiarity with DBT is a plus
  • Experience with creating reports using tools like Tableau is a plus

What we offer you: 

  • Competitive compensation packages
  • Comprehensive health benefits
  • Flexible work environment 
  • Commitment to transparency, openness, and DEI
  • Entrepreneurial responsibility
  • Career growth and development
  • Virtual Events and exposure to diverse / multicultural team environment

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