Business Analyst - Strategic Finance

Overview

This role is part of the Finance team and combines financial planning & analysis with capital markets responsibilities. The Financial Data Analyst will own key components of forecasting and planning, build portfolio- and merchant-level analytics to support strategic decisions, and help support the execution of the organization’s funding strategy and lender relationships.

Reporting to the Director of FP&A and partnering day-to-day with the VP of FP&A and VP of Capital Markets, this position provides breadth across forecasting & statistical modeling, unit economics, and asset-backed financing.

Responsibilities

Forecasting & Financial Planning

• Support quarterly Outlook forecasts and the annual budget and plan, covering originations, portfolio performance, and profitability
• Build and maintain components of the corporate forecasting model, including portfolio performance analysis across payment behavior, delinquency roll rates, and charge-offs
• Develop scenario and sensitivity analyses to support strategic decisions and stress-test liquidity positions
• Analyze variances versus budget and outlook, translating drivers into clear narratives for senior leadership

Capital Markets

• Support the VP of Capital Markets in managing asset-backed debt facilities, including covenant compliance monitoring, borrowing base reporting, and analyses supporting draws and repayments
• Help prepare investor and lender communications, portfolio analyses, and materials for investor meetings
• Develop credit performance forecasts (e.g., delinquency, prepayment behavior) to inform funding strategy and capital planning
• Research capital markets trends, funding innovations, and peer strategies

Business & Portfolio Analytics

• Build merchant- and product-level unit economics and net cash flow analysis to inform pricing, growth, and capital allocation decisions
• Use SQL and large operational datasets to build data models, dashboards (e.g., Tableau, Snowsight), and self-serve reporting
• Support monthly financial review materials and ad-hoc analyses of executive questions
• Monitor competitor and market performance and synthesize implications for the business

Cross-Functional Collaboration

• Partner with Risk, Accounting, Sales, and Operations to align forecasts, metrics, and reporting logic
• Improve internal processes, automate workflows, and leverage modern tooling (including AI) to increase the speed and accuracy of analysis

Requirements

• Bachelor’s degree in Finance, Economics, Business, Engineering, or a quantitative field
• 2 - 5 years of experience in data/business analytics, FP&A, strategic finance, capital markets, investment banking, or financial services analytics
• Expertise writing SQL for data analysis and metric reporting/tracking, including creating datasets
• Experience working with large, complex datasets to tackle ambiguous, open-ended problems
• Advanced proficiency in Microsoft Excel, including complex formulas, pivot tables, and data analysis
• Strong interest in the “why” behind the numbers—digging into data, independently following evidence, and identifying root causes and actionable insights
• Ability to support multiple senior stakeholders and prioritize across competing workstreams
• Excellent written and verbal communication skills, with the ability to distill complex analysis into concise takeaways
• Comfort 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 experience using BI tools (e.g., Tableau) to build dashboards and track KPIs
• Experience applying AI tools to accelerate analysis and reporting

Compensation & Benefits

• Salary Range: $101,000-$131,000 per year (depending on experience and location)
• Additional Compensation: eligible to participate in company bonus plan
• Comprehensive medical, dental, and vision coverage
• 20 PTO days + 11 paid holidays
• 401(k) retirement with company matching
• Student Loan & Tuition Reimbursement
• Commuter assistance
• Parental leave (maternal + paternal)
• Inclusion and Associate Engagement Programs

Location

Richmond, VA; Arlington, VA; or Remote (U.S.). Associates near one of the office locations may work in-office, hybrid, or remotely. Remote opportunities are available to candidates throughout the United States.

Standard working hours are 9am-5pm ET, but the organization can be flexible to accommodate all time zones.

Application Details

Applications will be accepted until position is filled.