Quantitative Analyst II (Capital Structuring & Analytics)

Overview

The organization is seeking a smart, driven individual to join the Quantitative Markets team. This role supports the Capital team, which manages the financial foundation that supports the organization’s lending and innovation, including funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships.

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 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 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 approach: 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

• Not specified

Compensation & Benefits

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

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.

Benefits highlights:

• Health coverage at no cost: 100% of premiums for employees and their dependents
• Spending stipends: monthly stipends for tech setup and health and wellness options
• Time off: flexible time off and generous holiday calendars
• Employee stock purchase plan (ESPP): 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.