Matthew Nelson

Associate Risk Analyst @Concora Credit

Beaverton, OR, US

As an Associate Risk Analyst, I apply data-driven insights to support underwriting strategies and improve risk management for consumer lending. My role bridges data analytics with strategic decision-making to drive business performance, profitability, and innovation.Key Responsibilities:Analyze business performance to deliver actionable insights on forecasting, channel performance, and credit risk strategy.Develop and refine underwriting strategies by linking customer behavior and credit trends, while leveraging credit bureau data and third-party fraud-threat data.Manage and manipulate large datasets using SQL and Python, ensuring accuracy and integrity in all analyses.Build, implement, and evaluate A/B test strategies focused on profitability and operational efficiency.Collaborate with cross-functional teams including risk, underwriting, data science, and operations to align on business objectives.Present findings and strategic recommendations to stakeholders, using data visualization tools such as Excel and Matplotlib packages to support decision-making.Perform ad hoc analysis and reporting to address urgent business questions or opportunities.Projects and Achievements:Led testing on compliance badging for Experian, which increased monthly volume by almost 40%.Collaborated on starting a run-club for cross-team morale building.Skills & Tools:Data Analysis: SQL, Python, ExcelRisk Strategy: Credit risk analysis, underwriting strategy development, A/B testingCommunication: Presenting findings to leadership, cross-team collaborationTools/Platforms: Databricks, Excel

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