Quantitative Analyst II (Capital Structuring & Analytics)

Overview

This role joins the organization’s Capital team, which manages the financial foundation supporting lending and related innovation. The team leads funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships.

Within Capital, the Quantitative Markets 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

• Evaluate, structure, and price consumer asset-backed transactions in collaboration with the Capital Markets team
• 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 capital markets deal insights 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 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 teams
• Proactive 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

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 include:

• Health care coverage: organization covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets: generous stipends for Technology, Food, various Lifestyle needs, and family forming expenses
• Time off: competitive vacation and holiday schedules
• ESPP: employee stock purchase plan enabling you to buy shares at a discount

Location

#LI-Remote

Remote-first: most roles are remote, and you can work almost anywhere within the country of employment. Proximal roles may require occasional work from an assigned office; some roles remain office-based due to job responsibilities.

For U.S. positions that could be performed in Los Angeles or San Francisco: pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, qualified applicants with arrest and conviction records will be considered.