Credit Analytics

Overview

This role is part of the analytics team and focuses on applying internal and external data to support faster, better credit decisions. You will own credit and product analytics for in-house liquidity products, helping guide smarter decisions, improved customer outcomes, and business growth.

Responsibilities

• Own credit strategy end-to-end across advance, overdraft, and other credit products, creating policies that balance growth and risk.
• Analyze customer behavior holistically (beyond program-level metrics), connecting segmentation and behavioral signals across products to uncover new insights.
• Launch new credit products from scratch using first principles and limited data, scaling innovative experiences with a credit and product analytics lens.
• Use AI-powered tools and techniques to accelerate analysis, develop and validate predictive insights, and expand what’s possible in product analytics.
• Share insights and recommendations with senior leadership and stakeholders to influence business direction.
• Collaborate cross-functionally with product, engineering, and data science teams.

Requirements

• 4–8 years of professional experience in credit analytics, with a proven track record of using quantitative analysis to drive business or product changes in a fast-paced environment.
• Demonstrated experience with consumer underwriting strategy and/or portfolio risk analytics. Cash advance, overdraft, BNPL, or short-term consumer lending experience is a strong plus.
• Advanced SQL skills and AI capabilities, with the ability to independently pull and analyze complex datasets.
• Strong analytical thinking and problem-solving skills, able to move from ambiguous questions to clear insights.
• Intellectual curiosity and ability to focus on “why,” not just “what.”
• An ownership mindset with a bias toward taking action.

Preferred Qualifications

• Experience specifically in consumer underwriting strategy and/or portfolio risk analytics (cash advance, overdraft, BNPL, or short-term consumer lending).

Compensation & Benefits

• Competitive base salary
• Stock options
• Health benefits from Day 1
• 401(k) plan with company match
• Remote-friendly (US)
• Flexible time off (FTO)

Location

Remote-friendly (US).

Equal Employment Opportunity

The organization is an equal opportunity employer and does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Candidates from all backgrounds are encouraged to apply.