Quantitative Analyst II (Capital Structuring & Analytics)

Overview

This role is on the Quantitative Markets team within the Capital organization. The team structures and prices consumer debt funding deals, develops platforms and tools to optimize funding strategies, and builds models to analyze and predict the performance of consumer loans.

Responsibilities

• Work closely with the Capital Markets team to evaluate, structure, and price consumer asset-backed transactions.
• Develop and enhance capital structuring and pricing models tailored to the consumer loan portfolio to enable efficient deal execution.
• Build quantitative models to analyze and predict the performance of consumer loans.
• Provide insights on capital markets deals to cross-functional teams to support more optimal and efficient funding strategy and merchant pricing.
• Partner cross-functionally with Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product, and Engineering teams to evaluate funding, product, and business decisions.

Requirements

• 2+ years of relevant experience structuring asset-backed transactions, forecasting consumer loan performance, and/or building quantitative models.
• Experience with industry-standard tools such as Intex/Bloomberg and working with accountants, rating agencies, and internal/external partners.
• Experience with SQL, Python, or other scripting languages.
• Strong interpersonal and communication skills, with the ability to collaborate and influence across different teams.
• Proactive, able to seek out new opportunities, drive projects, navigate ambiguity, and develop creative solutions with minimal guidance.
• Desire to understand the broader context of business decisions.

Compensation & Benefits

• Pay Grade: K
• Equity Grade: 6
• New hires typically come in at the start of the pay range.

Base pay range (per year)

• USA base pay range (CA, WA, NY, NJ, CT): $145,000 - $205,000
• USA base pay range (all other U.S. states): $128,000 - $188,000

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness, and tech spending, and benefits including:

• 100% subsidized medical coverage
• Dental and vision for you and your dependents
• Spending stipends
• Flexible time off and generous holiday calendars
• Employee Stock Purchase Plan (ESPP) to buy company stock at a discount

Location & Work Model

Remote-first with flexibility built in:

• Most roles can be done from almost anywhere within the country of employment.
• Some positions may occasionally require in-person work at an office.
• A few are office-based due to the nature of the work.
• All new hires will be invited to attend an in-person onboarding experience.

For positions based in San Francisco or Los Angeles: qualified applicants with arrest and conviction records are considered as required by law.

Additional Information

The organization is committed to an inclusive interview process, including accommodations for candidates with disabilities.