Overview
This role is with a company focused on reinventing credit to provide consumers with flexible buy now, pay later options without hidden fees or compounding interest. The organization aims to improve consumer finance through data, technology, transparency, and cost reduction.
The Risk & Analytics (R&A) team plays a critical role in shaping business strategy by partnering with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams. The team works across the entire customer and merchant lifecycle to optimize approval rates, conversion, losses, and profitability. Responsibilities include building scalable data infrastructure, analytical frameworks, and tools to support decision-making 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 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 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.
- Excellent communication skills, humility, and ability to collaborate effectively across teams.
Compensation & Benefits
- Pay Grade: I
- Equity Grade: 5
- Base pay range (per year):
- California, Washington, New York, New Jersey, Connecticut: $115,000 - $165,000
- All other U.S. states: $101,000 - $151,000
- Total compensation 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 flexible spending wallets for technology, food, lifestyle needs, and family forming expenses.
- Competitive vacation and holiday schedules.
Location
- Remote-first company with most roles allowing work from almost anywhere within the country of employment.
- Some roles may require occasional work from an assigned office.
- A limited number of roles remain office-based due to job responsibilities.
Additional Information
- The organization is committed to providing an inclusive interview experience and reasonable accommodations for candidates with disabilities.
- For U.S. positions potentially based in Los Angeles or San Francisco, qualified applicants with arrest and conviction records will be considered in compliance with local fair chance hiring ordinances.