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.

Required 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 Qualifications

• 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, Hourly & Other Expectations

• This position is fully remote with strong self-motivation required.

• US-based candidates cannot be hired in Wyoming or Illinois at this time.

• Visa sponsorship is not available.

• Team members are expected to work from 9:00am - 5:30pm PST for the first two weeks of training, and 9:00am - 5:30pm in their own timezone thereafter.

• For remote work, candidates must use a Chromebook, Mac with macOS 11.0 or later, or Windows 10 or later.

Compensation

$45/hour - $100/hour

The posted pay range is intended for U.S.-based candidates and depends on factors including relevant experience, skills, education, geographic location, and qualifications. For international candidates, our recruiting team can provide an estimated pay range for your location.

Benefits:

Hourly pay is just one part of our total rewards package at xAI. Specific benefits vary by country, depending on your country of residence you may have access to medical benefits. We do not offer benefits for part-time roles.

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