Quantitative Analyst II (Capital Structuring & Analytics)

Overview

The Capital team manages the financial foundation that supports lending and innovation, including funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships. This role supports efficient funding and sustainable business growth by balancing cost, flexibility, and risk.

This opportunity is within the Quantitative Markets team. The team structures and prices consumer debt funding deals, develops platforms and tools to optimize funding strategies, and builds models to analyze and predict consumer loan performance.

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 consumer loan performance
• 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 teams including Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product, and Engineering 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
• 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 teams
• Proactive approach: ability to seek out new opportunities, drive projects, navigate ambiguity, and develop solutions with minimal guidance
• Desire to understand the broader context of business decisions

Preferred Qualifications

• None specified

Compensation & Benefits

• Pay Grade: K
• Equity Grade: 6
• Employees new to the organization typically come in at the start of the pay range.
• 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).

USA base pay range (CA, WA, NY, NJ, CT) per year: $145,000 - $205,000

USA base pay range (all other U.S. states) per year: $128,000 - $188,000

Benefits designed for you

• Health coverage at no cost (100% of premiums for employees and their dependents)
• Monthly spending stipends for your tech setup and the ability to choose health and wellness options
• Flexible time off and generous holiday calendars
• Employee stock purchase plan (ESPP) to buy company stock at a discount

Location

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, and 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.