Principal Business Analyst, Portfolio Management

Overview

This role involves leading analytics, modeling, reporting, and strategic recommendations for Portfolio Management programs focused on customer engagement and risk management, including upgrades and multicard strategies. The position supports initiatives that impact underwriting, pricing, acquisition strategies, and customer lifetime value to drive financial progress and growth.

Responsibilities

• Lead initiatives to improve underwriting and pricing strategies
• Utilize AI-driven tools for data analysis
• Optimize acquisition strategies based on customer behavior and market conditions
• Develop actionable financial strategies to improve credit risk and profitability
• Design and implement market tests to understand customer behavior and inform growth investments
• Collaborate with cross-functional teams including product, data science, engineering, and capital markets
• Communicate strategies and insights effectively to senior leadership

Minimum Qualifications

• Proven ability to solve problems end-to-end: framing questions, forming hypotheses, analyzing data, and communicating results
• Familiarity with SQL, Python, or other data analysis tools
• 2 to 7 years of experience in a highly analytical role (typically 2-5 years for Principal Analyst level, 4-7 years for Business Manager level)
• Bachelor’s or Master’s degree in Economics, Finance, Engineering, Mathematics, or a related quantitative field with strong academic performance

Preferred Qualifications

• Experience with credit cards or consumer lending product analytics
• Experience scaling a business in a fast-paced startup environment
• Advanced expertise in SQL or Python
• Experience using AI coding assistants such as Claude Code, Codex, Gemini CLI, or Cursor

Compensation & Benefits

• Target starting base salary range for Principal Analyst: $118,000 - $135,000
• Target starting base salary range for Business Analyst Manager (Individual Contributor): $142,000 - $157,000

Salary is based on factors including experience, education, certifications, training, skills, and competencies related to the role.

Benefits include:

• Paid time off
• 401(k) match
• Monthly wellness stipend
• Health, dental, and vision insurance options
• Disability coverage
• Paid parental leave
• Flexible spending accounts for childcare and healthcare
• Life insurance
• Remote-first work environment

Location

Headquartered in Richmond, Virginia, United States.

Equal Opportunity & Accommodation

The employer is an equal opportunity organization and does not discriminate based on race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status. Reasonable accommodations are provided for applicants with medical or religious needs as required by law.

Additional Information

Applicants must provide truthful and complete information throughout the application and hiring process. Providing false information may result in disqualification or termination.