Quantitative Analyst II (Capital Structuring & Analytics)

Overview

This role involves joining the Quantitative Markets team within the Capital organization, which manages the financial foundation that supports lending and related innovation. The team structures and prices 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
• Experience 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, including seeking out opportunities, driving projects, navigating ambiguity, and developing solutions with minimal guidance
• Desire to understand the broader context of business decisions

Preferred Qualifications

• Experience developing quantitative models and participating in cross-functional capital markets and funding strategy discussions

Compensation & Benefits

Pay Grade: K
Equity Grade: 6

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.

• USA base pay range (CA, WA, NY, NJ, CT): $145,000 - $205,000 per year
• USA 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
• Benefits including 100% subsidized medical coverage, plus dental and vision for you and your dependents
• Employee Stock Purchase Plan (ESPP) allowing employees 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.
• 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.