Overview
This role involves joining a team focused on risk and analytics within the consumer finance sector. The team partners with machine learning, product, engineering, capital markets, and commercial groups to optimize approval rates, 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
- Use data analytics to uncover insights that optimize product, risk, or growth strategies across different regions.
- Monitor portfolio health by tracking performance metrics, user behavior, and macroeconomic trends; identify risks and anomalies.
- Write clean, efficient SQL and Python code to build scalable reporting; collaborate with engineering teams to support deployment of machine learning and risk models.
- Work cross-functionally with product, legal, and compliance teams to understand consumer lending regulations and translate them into data models and operational policies.
- Support alignment for 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 ensuring output accuracy.
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.
- Proficiency in 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.
- Strong communication skills, humility, and ability to collaborate effectively across teams.
Preferred Qualifications
- Experience or interest in consumer lending regulations and fair lending principles.
- Ability to navigate exogenous market changes and integrate modern AI tooling.
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.
- Eligibility for equity rewards.
- Employee stock purchase plan (ESPP) allowing purchase of company shares at a discount.
- Generous stipends for technology, food, lifestyle needs, and family forming expenses.
- Competitive vacation and holiday schedules.
Location
- Remote-first company with flexibility to work 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.