Overview
This role involves joining a Risk & Analytics team focused on making data-driven decisions that guide business strategy in consumer finance. The team collaborates with Machine Learning, Product, Engineering, Capital Markets, and Commercial groups to optimize approval rates, conversion, losses, and profitability across the customer and merchant lifecycle. Responsibilities include analyzing performance, building scalable data infrastructure, and creating analytical frameworks to support efficient and intelligent 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, maintainable SQL and Python code to build scalable reporting; collaborate with Engineering to deploy 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 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 working with AI tools to enhance analytical 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 may include monthly stipends for health, wellness, and technology spending.
- Benefits include 100% subsidized medical, dental, and vision coverage for employees and dependents.
- Additional benefits include flexible spending wallets for technology, food, lifestyle needs, and family forming expenses.
- Competitive vacation and holiday schedules.
- Employee stock purchase plan allowing discounted share purchases.
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.