Quantitative Analyst II (Capital Structuring & Analytics)

Overview

This role supports the organization’s Capital team and joins the Quantitative Markets team. The Capital team manages the financial foundation that supports lending and innovation, including funding, liquidity, risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships.

The Quantitative Markets team structures and prices debt funding deals, builds platforms and tools to optimize funding strategies, and creates 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 in the organization
• Proactive leadership mindset: seek out new opportunities, drive projects, navigate ambiguity, and develop creative solutions with minimal guidance
• Desire to understand the broader context of business decisions

Preferred Qualifications

No additional preferred qualifications were specified.

Compensation & Benefits

• Pay Grade: K
• Equity Grade: 6
• Base pay range (CA, WA, NY, NJ, CT) per year: $145,000 - $205,000
• Base pay range (all other U.S. states) per year: $128,000 - $188,000

Employees new to the organization typically come in at the start of the pay range. Compensation is based on factors including location, experience, and job-related skills and may include:

• Equity rewards
• Monthly stipends for health, wellness, and tech spending
• Benefits including 100% subsidized medical coverage, dental, and vision for employees and their dependents
• Employee stock purchase plan (ESPP), which allows employees to buy stock at a discount
• Flexible time off and generous holiday calendars

Location

Remote-first with flexibility built in. Most roles can be performed from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an office, and a few roles are office-based due to the nature of the work.

All new hires are invited to attend an in-person onboarding experience.

For positions based in San Francisco or Los Angeles: the organization considers qualified applicants with arrest and conviction records, as required by law.