Credit Underwriting Intern

About FluoMoney Fluo is an all-in-one student app designed to simplify the lives of students—international and local—by streamlining financial management and life essentials in a new city. With a multi-currency digital wallet, a physical card, low-cost transfers, and a rewards system called FluoCoins, Fluo helps students manage their money, secure housing, and achieve important life milestones. The platform also includes tools for housing support, career matching, and community building—so students can flow, grow, and belong. Credit Underwriting Intern As a Credit Underwriting Intern at FluoMoney, you'll help build the foundation of our student credit and lending products. This role is ideal for someone interested in fintech, risk analytics, consumer lending, and data-driven decision-making. You'll work closely with product, data, engineering, and business teams to research, design, and improve credit scoring methodologies that help students access financial products fairly and responsibly. This is a hybrid role based in Las Vegas, NV, with the option for remote work. What You'll Do Research traditional and alternative credit scoring models used by banks, fintech companies, and credit bureaus. Help design and evaluate credit underwriting frameworks for students and young professionals with limited credit history. Analyze financial, behavioral, educational, and transactional data to identify indicators of creditworthiness. Assist in developing internal credit score methodologies and risk assessment models. Collaborate with data, engineering, and product teams to define underwriting requirements and implementation strategies. Monitor portfolio performance and identify trends related to risk, default rates, and customer behavior. Conduct market research on consumer lending, credit products, and regulatory requirements. Prepare reports, dashboards, and recommendations to support underwriting and lending decisions. Contribute to building fair, transparent, and inclusive credit assessment practices for underserved student populations. What You'll Work With Risk Analytics: Credit scoring, risk modeling, underwriting frameworks Data Analysis: SQL, Excel, Python, statistical analysis Fintech: Consumer lending, payments, banking products, financial services Data Sources: Transaction history, banking data, educational background, employment information, alternative credit signals Tools: Google Sheets, Excel, SQL, Tableau, Looker, Python Compliance: Fair lending principles, KYC, AML, and consumer finance regulations Explore Fluo Website: https://fluomoney.com Android: https://play.google.com/store/apps/details?id=com.grive.fluo iOS: https://apps.apple.com/us/app/fluomoney/id6761800071