Credit Risk Analyst (AI Training) at Mercor

Credit Risk Analyst (AI Training)

Job Type: Hourly Contract (Remote)

Pay: $65–$75 per hour (USD), depending on experience

Location: Remote

About Mercor:
Mercor connects elite professionals with leading AI initiatives to accelerate innovation. Headquartered in San Francisco, our distinguished investors include Benchmark, General Catalyst, Adam D’Angelo, Larry Summers, and Jack Dorsey. We specialize in facilitating groundbreaking research collaborations by integrating top-tier human expertise with advanced AI technology.

About the Role:
Mercor is seeking experienced Credit Risk Analysts to support an advanced AI research project focused on replicating and enhancing real-world lending processes. Your expertise in credit decisioning, loan pricing, and risk modeling will help train AI models to accurately perform critical financial tasks.

Key Responsibilities:

• Evaluate AI-generated credit risk assessments to ensure accuracy, consistency, and regulatory compliance.

• Simulate realistic credit scenarios including approvals, denials, and counteroffers based on borrower profiles.

• Review synthetic applicant data, including income, debt-to-income ratios, credit reports, and adherence to credit policies.

• Develop evaluation rubrics for assessing default risk, pricing strategies, and credit policy compliance.

• Identify potential bias, compliance risks, or regulatory violations (e.g., FCRA, ECOA, UDAAP) in AI-generated outputs.

• Provide clear, structured feedback to research teams and actively participate in asynchronous evaluation cycles.

Ideal Qualifications:

• 3+ years of experience in credit risk management, consumer underwriting, or credit policy at financial institutions, fintech firms, or rating agencies.

• Deep understanding of credit scoring (e.g., FICO), risk segmentation, loan pricing structures, and loss forecasting methodologies.

• Proficiency in credit decisioning systems and analytical tools (e.g., Experian/Equifax APIs, SAS, SQL).

• Strong knowledge of regulatory frameworks such as ECOA, FCRA, UDAAP, and Fair Lending.

• Exceptional analytical and written communication skills.

• Experience collaborating with cross-functional teams (e.g., product, compliance, data science).

Role Details:

• Start Date: Immediate

• Duration: Approximately 4 weeks

• Commitment: Part-time (~20 hours/week)

• Fully remote and asynchronous—work according to your schedule.

Compensation & Legal Details:

• Independent Contractor position.

• Weekly payment via Stripe Connect.

Mercor is committed to equal opportunity employment and welcomes applications from all qualified individuals. Reasonable accommodations are available upon request.

Apply now to contribute your expertise to shaping the future of AI-driven credit risk management!