Overview
This role involves joining a team focused on risk and analytics within the consumer finance sector. The team partners with various departments including Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to optimize approval, conversion, losses, and profitability. The work spans the entire customer and merchant lifecycle, addressing challenges such as checkout conversion optimization, fraud risk mitigation, scalable data infrastructure, and international growth.
Responsibilities
- Leverage data analytics to uncover insights that optimize product, risk, or growth strategies across different geographies.
- Monitor portfolio health by tracking performance metrics, user behavior, and macroeconomic trends; identify risks and anomalies.
- Write clean, working SQL and Python code to build scalable reporting; collaborate with Engineering to support deployment of machine learning and risk models.
- Work closely with Product, Legal, and Compliance teams to understand consumer lending regulations and market requirements, translating them into data models and operational policies.
- Support cross-functional discussions to ensure alignment of new product launches and market entries with operational capabilities and risk appetite.
- Integrate AI tools into daily workflows to accelerate data mining and routine tasks while verifying outputs.
Requirements
- 1–3 years of experience in an analytically-driven role; internships or prior experience in consumer lending, fintech, or financial services are highly valued.
- Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.
- Solid working knowledge of SQL, Python, or other scripting languages.
- Familiarity with data mining, data visualization, and foundational statistical modeling.
- Basic understanding or strong curiosity about consumer lending regulations, fair lending principles, and application of machine learning to business problems.
- Exceptional communication skills, humility, and ability to collaborate effectively with cross-functional teams.
Preferred Qualifications
- Experience working with AI tools to enhance data analytics workflows.
- Exposure to consumer finance or credit risk analytics.
Compensation & Benefits
- Base pay range for U.S. employees in CA, WA, NY, NJ, CT: $115,000 - $165,000 per year.
- Base pay range for U.S. employees in other states: $101,000 - $151,000 per year.
- Total compensation package may include monthly stipends for health, wellness, and technology spending.
- Benefits include 100% subsidized medical coverage, dental and vision for employees and dependents.
- Employee stock purchase plan (ESPP) offering discounted shares.
- Competitive vacation and holiday schedules.
- Flexible spending wallets for technology, food, lifestyle needs, and family forming expenses.
Location
- This is a remote-first position with flexibility to work from almost anywhere within the country of employment.
- Some roles may require occasional work from an assigned office depending on job responsibilities.
Additional Information
- The employer is committed to providing an inclusive interview experience and reasonable accommodations for candidates with disabilities.
- For U.S. positions in Los Angeles or San Francisco, qualified applicants with arrest and conviction records will be considered in accordance with local fair chance hiring ordinances.