Credit Analyst Expert

About xAI

xAI’s mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge. Our team is small, highly motivated, and focused on engineering excellence. This organization is for individuals who appreciate challenging themselves and thrive on curiosity. We operate with a flat organizational structure. All employees are expected to be hands-on and to contribute directly to the company’s mission. Leadership is given to those who show initiative and consistently deliver excellence. Work ethic and strong prioritization skills are important. All employees are expected to have strong communication skills. They should be able to concisely and accurately share knowledge with their teammates.

ABOUT THE ROLE:

We are seeking a skilled Credit Analyst Expert to enhance xAI’s AI models by providing high-quality data annotations and inputs tailored to private credit analysis contexts.  In this role, you will leverage your expertise in credit risk assessment and analysis, including financial statement analysis, credit risk modeling, covenant analysis, leverage and coverage ratio calculations, industry and company research, cash flow analysis, debt capacity assessments, credit memo preparation, counterparty risk evaluation, rating methodologies, credit monitoring, and risk mitigation strategies to support the training of AI systems. You will collaborate with technical teams to refine annotation tools and curate impactful data, ensuring our models effectively capture real-world private credit analysis dynamics. This role requires adaptability, strong analytical skills, and a passion for driving innovation in a fast-paced environment.

RESPONSIBILITIES:

• Utilize proprietary software to provide accurate input and labels for private credit projects, ensuring high-quality data for AI model training.
• Deliver curated, high-quality data for scenarios involving financial statement analysis, credit risk assessment, covenant compliance evaluation, debt capacity modeling, industry benchmarking, cash flow projections, rating analysis, and credit monitoring activities.
• Collaborate with technical staff to support the training of new AI tasks and contribute to the development of innovative technologies.
• Assist in designing and improving efficient annotation tools tailored for credit analysis data.
• Select and analyze complex problems in credit analysis aligned with your expertise to enhance AI model performance.
• Interpret, analyze, and execute tasks based on evolving instructions, maintaining precision and adaptability.

BASIC QUALIFICATIONS:

• Professional experience in credit analysis or related fields (e.g., credit analyst, underwriter, or risk professional at commercial banks, investment banks, rating agencies, insurance companies, or corporate credit departments).
• Proficiency in reading and writing informal and professional English.
• Strong communication, interpersonal, analytical, and organizational skills.
• Excellent reading comprehension and ability to exercise autonomous judgment with limited data.
• Passion for technological advancements and innovation in credit analysis.

PREFERRED SKILLS AND EXPERIENCE:

• Relevant certification or advanced training (e.g., CFA, FRM, CRC or similar finance-related certification).
• Experience mentoring or training others in private credit practices, such as credit underwriting, loan structuring, covenant analysis, or portfolio monitoring.
• Comfort with recording audio or video sessions for data collection.
• Familiarity with AI or data annotation workflows in a technical setting.

LOCATION AND OTHER EXPECTATIONS:

• Tutor roles may be offered as full-time, part-time, or contractor positions, depending on role needs and candidate fit.
• For contractor positions, hours will vary widely based on project scope and contractor availability, with no fixed commitments required.  On average most projects may involve at least 10 hours per week to achieve deliverables effectively though this is not a fixed commitment and depends on the scope of work. Contractors have full flexibility to set their own hours and determine the exact amount of time needed to complete deliverables. 
• Tutor roles may be performed remotely from any location worldwide, subject to legal eligibility, time-zone compatibility, and role specific needs.
• For US based candidates, please note we are unable to hire in the states of Wyoming and Illinois at this time.
• We are unable to provide visa sponsorship.
• For those who will be working from a personal device, your computer must be a Chromebook, Mac with MacOS 11.0 or later, or Windows 10 or later.

COMPENSATION AND BENEFITS:

US based candidates: $45/hour - $100/hour depending on factors including relevant experience, skills, education, geographic location, and qualifications. International candidates: Information will be provided to you during the recruitment process.

Benefits vary based on employment type, location and jurisdiction. Benefits for eligible U.S. based positions include health insurance, 401(k) plan, and paid sick leave. Specific details and role specific information will be provided to you during the interview process.

xAI is an equal opportunity employer. For details on data processing, view our Recruitment Privacy Notice.