---
title: 'Risk Operations Specialist at Prosper'
canonical: 'https://feeny.ai/job/risk-operations-specialist-prosper-phoenix-88n5jqrf5p81'
type: 'job'
last_seen: '2026-10-14'
---

# Risk Operations Specialist at Prosper

- **Company:** Prosper
- **Location:** Phoenix, AZ
- **Compensation:** $20/hr
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-28
- **Last confirmed live:** 2026-10-14
- **Apply:** https://jobs.lever.co/prosper/01025cc7-23aa-462d-9a17-78efe34c9fe5

## Job description

## Your role in our mission

We are looking for a self-motivated individual with strong analytical skills and an ability to work cross-functionally. The candidate must be effective with prioritization, organization, and time management skills with a focus on meeting deadlines while producing quality results.  This role will be a first line of defense in detecting and remediating servicing issues.

This is your chance to become part of the fastest growing Marketplace Lender in a critical role. Prosper provides a fantastic work environment that includes full medical coverage, a PTO policy that encourages appropriate work-life balance, in a comfortable and collaborative office.

Resources to help you prosper

- Compensation & Bonus: $20/hr + annual bonus

- Work-Life Balance: Hybrid schedule with just two collaborative days in-office (Wed/Thu).

- Comprehensive Health & Wellness: 100% employer-paid health, dental, and vision insurance premiums.

- Rest & Time Off: 20 days of paid time off in your first year (increasing annually) plus paid company holidays.

- Continuous Learning & Family Support: Free access to Udemy courses, child and pet care credits via Urban Sitter, Rocket Lawyer legal support, and more.

- Daily Perks & Community: Onsite kitchen loaded with snacks and monthly catered team lunches.

## How you'll make an impact

- Provide operations support to internal client partners regarding fixed term and revolving credit products.
- Review daily audit reports, conduct research and analysis to identify root cause of issues, remediate identified issues.
- Understand and execute operations policies and procedures.
- Work with stakeholders to identify and resolve servicing issues.
- Review and resolve Credit Bureau Disputes, monitor and facilitate payment flow and resolve system syncing issues.
- Develop and maintain documentation of Controls policies and procedures to drive adoption and adherence across Prosper.
- Serve as a subject matter expert on operations processes, trends, and remediation efforts.
- Identify and communicate to leaders any situation that may require additional review or special handling.
- Identify opportunities for improvements in processes and procedures.
- Foster a collaborative environment in which Prosper team members are encouraged to voice ideas and concerns.

## Skills that will help you thrive

- At least 1-year experience in the financial services industry preferred
- Credit card servicing experience is a plus
- Working knowledge and aptitude with GCP preferred
- Organized, solution oriented, proactive and able to multi-task
- Able to adapt in a fast-moving role where processes can change quickly
- Proven track record of effective and collaborative work with cross-functional teams
- Strong written and verbal communication skills
- Strong problem-solving skills and ability to work independently

#LI-Hybrid

## About Our Operations Team

Rooted in our values, Prosper’s Operations team is driven by how we can improve the customer experience, always thinking there must be a better way. If you are looking for a mission driven company with a great culture, check us out! As a Prosper employee, you will have the opportunity to take ownership of your career - we offer learning opportunities and career development plans. Come join a dedicated, diverse community that will help you discover your fullest potential! Are you ready to Prosper?

## 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

Diversity expands opportunities Collaboration creates better solutions Curiosity fuels our innovation Integrity defines all our relationships Excellence leads to longevity Simplicity guides our user experience Accountability at all levels drives results www.prosper.comOur Story & Team  //   Our Blog

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.

## About Prosper

## Company Overview
- **One-liner**: Prosper is the first peer-to-peer lending marketplace in the U.S., now offering a comprehensive suite of personal loans, home equity products, and credit cards to help individuals achieve financial well-being.
- **Entity Type**: Public (NASDAQ: UPST)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2005
- **Founders**: Not explicitly listed in provided sources

## Core Business
- **Primary industry**: Financial Services (Consumer Lending, Personal Finance)
- **Target customers**: B2C – individual borrowers seeking personal loans, home equity financing, and credit-building cards; also individual and institutional investors who fund loans on the marketplace.
- **Mission**: “To advance financial well-being, helping people thrive by meeting them where they are with simple, trusted, and affordable financial solutions.” [prosper.com](https://www.prosper.com/about)

## Products & Services
- **Personal Loan Marketplace**: Fixed-rate, unsecured personal loans from $2,000 to $50,000 with next-day funding and no prepayment penalties. Borrowers are matched with investors. [prosper.com](https://www.prosper.com/)
- **Prosper® Card**: Unsecured credit card designed for people with less-than-perfect credit, offering up to a $3,000 limit with no security deposit required. [prosper.com](https://www.prosper.com/)
- **Home Equity Loans & HELOCs**: Fixed-rate home equity loans and variable-rate home equity lines of credit for homeowners. [prosper.com](https://www.prosper.com/about)
- **Investing & IRAs**: Allows investors to fund personal loans on the platform, with an average historical return of 5.3%. Individual Retirement Accounts (IRAs) are also available. [prosper.com](https://www.prosper.com/)

## Market Standing
- **Valuation/Market Cap**: Not directly provided in search results (publicly traded; current market cap can be found on stock exchanges)
- **Key Metric**: Annual revenue of $212.5M (2024 estimate); net income of -$54.08 million (2024); total assets $877.03 million (2024). [linkedin.com](https://www.linkedin.com/company/prosper-marketplace)
- **Notable Investors/Partners**: Not provided in search results
- **Growth Signals**:
  - Nearly 2.5 million customers served since 2005. [prosper.com](https://www.prosper.com/about)
  - Winner of Bankrate Best Personal Loan Award 2024. [prosper.com](https://www.prosper.com/about)
  - Received FICO® Decisions Financial Inclusion Award. [prosper.com](https://www.prosper.com/about)
  - Expanded product lineup with home equity loans and lines of credit, and the Prosper® Card.
  - Headcount of 338 employees, distributed across 10 countries. [linkedin.com](https://www.linkedin.com/company/prosper-marketplace)

## Competitive Advantages
- **First-mover in peer-to-peer lending**: Prosper pioneered the P2P lending model in the U.S. in 2005 and has built a large, trusted borrower and investor base.
- **Comprehensive product suite**: Covers personal loans, home equity products, credit cards, and investing – all under one platform, serving customers at different stages of their financial journey.
- **Awards and recognition**: Industry accolades (Bankrate, FICO) reinforce credibility and trust.
- **Data-driven credit risk**: Robust analytics and AI tools for credit decisioning, as evidenced by roles like Data Scientist, Credit Risk Analytics. [jobs.lever.co](https://jobs.lever.co/prosper)

## Strategic Focus
- **Expanding home equity offerings**: Adding home equity loans and HELOCs to leverage the asset class.
- **Growing the Prosper® Card**: Targeting consumers with less-than-perfect credit to build a path to better credit.
- **Digital-first, customer-centric approach**: Emphasizing 100% online applications, transparency, and human customer service.
- **Leveraging AI and analytics**: Using AI in hiring and credit risk to improve efficiency and accuracy.

## Why Work Here
- **Culture & Recognition**: Recognized as a “Best Place to Work in the Bay Area.” [prosper.com](https://www.prosper.com/jobs)
- **Work Flexibility**: Hybrid model – 3 days remote per week for employees within 50 miles of San Francisco or Phoenix; required in-office on Wednesdays and Thursdays. Fully remote roles also available. [prosper.com](https://www.prosper.com/jobs)
- **Total Rewards**:
  - Competitive pay, bonus program, stock options, and 401(k) with 5% employer match.
  - Health, dental, vision insurance with 100% employer-paid premiums for employees.
  - $1,000 annual wellness allowance, One Medical membership, Headspace/Calm access.
  - Generous parental leave, take-what-you-need vacation (exempt), 20 paid vacation/sick days for hourly employees, plus 8 paid holidays.
  - Monthly internet/phone stipend, pre-tax commuter assistance, and perks like RocketLawyer, UrbanSitter, Maven support.
  - Monthly on-site employee lunches and cultural events. [prosper.com](https://www.prosper.com/jobs)
- **Hiring Process**: Initial phone/video screen, hiring manager interview, then stakeholder round. Technical roles may include a live coding or take-home exercise. AI tools are used to assist in reviewing applications. [jobs.lever.co](https://jobs.lever.co/prosper)

## Sources
1. [prosper.com/about](https://www.prosper.com/about)
2. [prosper.com](https://www.prosper.com/)
3. [jobs.lever.co/prosper](https://jobs.lever.co/prosper)
4. [linkedin.com/company/prosper-marketplace](https://www.linkedin.com/company/prosper-marketplace)

## Other roles at Prosper

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- [Director, Credit Risk Analytics](https://feeny.ai/job/director-credit-risk-analytics-prosper-united-states-yyqmd5s1d51t) — United States
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