Business Analyst - Remote

Overview

The organization is seeking a Financial Data Analyst to join the Finance team. This role combines financial planning & analysis with capital markets responsibilities, and will report to the Director of FP&A while collaborating closely with the VP of FP&A and VP of Capital Markets.

Responsibilities

• Develop and maintain detailed financial models for forecasting and strategic planning.
• Build and analyze merchant- and product-level unit economics and net cash flow to guide pricing and capital allocation.
• Create and manage dashboards and self-service reports leveraging SQL and BI tools.
• Support monthly financial reviews and respond to executive ad-hoc data requests.
• Analyze portfolio performance, including payment behavior, delinquency rates, and charge-offs.
• Conduct scenario and sensitivity analyses to stress-test liquidity and support decision-making.
• Manage asset-backed debt facility compliance, borrowing base reporting, and support draw and repayment analyses.
• Prepare investor and lender communications and materials for meetings.
• Research capital markets trends and funding innovations to inform strategy.
• Collaborate with cross-functional teams to align financial forecasts and reporting methodologies.
• Drive process improvements and automation initiatives to enhance accuracy and efficiency.

Key Areas of Focus

• Build merchant- and product-level unit economics and net cash flow analyses to inform pricing, growth, and capital allocation decisions.
• Leverage SQL and large operational datasets to create data models, dashboards (including Tableau and Snowsight), and self-serve reporting.
• Monitor competitor and market performance to derive business implications.
• Contribute to quarterly Outlook forecasts and annual budgeting processes, including portfolio performance and profitability assessments.
• Maintain corporate forecasting models and perform scenario and sensitivity analyses.
• Support capital markets activities such as covenant compliance, borrowing base reporting, and investor communications.

Requirements

• Bachelor’s degree in Finance, Economics, Business, Engineering, or a quantitative discipline.
• 2 to 5 years of experience in FP&A, strategic finance, data/business analytics, investment banking, capital markets, or financial services analytics.
• Strong financial modeling and forecasting skills with advanced proficiency in Excel.
• Proficiency in SQL and experience with large, complex datasets.
• Ability to manage multiple senior stakeholders and prioritize competing workstreams effectively.
• Excellent analytical skills with meticulous attention to detail and a commitment to data integrity.
• Strong written and verbal communication skills, capable of distilling complex analyses into clear, concise insights.
• Comfortable working in a fast-paced, dynamic environment with ambiguous problems and evolving priorities.

Preferred Qualifications

• Experience in consumer finance, particularly subprime or non-prime lending.
• Foundational knowledge of asset-backed lending, securitization, and debt capital markets.
• Python experience for financial analysis and forecasting.
• Demonstrated use of BI tools such as Tableau for dashboard creation and KPI tracking.
• Experience applying AI tools to accelerate analysis and reporting.

Compensation & Benefits

• Competitive salary range: $101,000 to $131,000 annually, based on experience and location.
• Eligibility to participate in the organization bonus plan.
• Comprehensive medical, dental, and vision coverage.
• 20 paid time off (PTO) days plus 11 paid holidays annually.
• 401(k) retirement plan with company matching contributions.
• Student loan and tuition reimbursement programs.
• Commuter assistance benefits.
• Parental leave for both maternal and paternal caregivers.

Location

Flexible work arrangements including in-office, hybrid, and remote options within the United States.

Equal Opportunity

The organization is an equal opportunity employer and is committed to fostering a diverse and inclusive workplace. Applications are welcomed from qualified individuals regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic.