Quantitative Analyst II (Capital Structuring & Analytics)

Overview

This role supports the organization’s quantitative markets activities, including structuring and pricing consumer asset-backed debt funding deals and building quantitative 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 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 to seeking new opportunities, driving projects, navigating ambiguity, and developing 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

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 highlights

• Health coverage at no cost (100% of premiums for employees and their dependents)
• Monthly spending stipends to support tech setup and health/wellness choices
• Flexible time off and generous holiday calendars
• Employee stock purchase plan (ESPP) to buy 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.

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.

Accessibility & Privacy

The organization is committed to an inclusive interview process, including accommodations for candidates with disabilities. Candidates may be asked to review a global candidate privacy notice as part of application submission.