Senior Analyst

Overview

This role is part of a Risk & Analytics team responsible for making key decisions that guide business strategy in the consumer finance sector. The team collaborates with Machine Learning, Product, Engineering, Capital Markets, and Commercial groups to grow the business responsibly by optimizing approval rates, conversion, losses, and profitability. The work spans the entire customer and merchant lifecycle, addressing challenges such as checkout conversion optimization, fraud risk mitigation, scalable data infrastructure, and international expansion.

Responsibilities

• Own the full analytical lifecycle from initial question to final business decision with autonomy.
• Use advanced data analytics to derive insights and develop strategies across products and geographies.
• Monitor portfolio performance and macroeconomic trends to adjust strategies proactively.
• Collaborate with Engineering and Machine Learning teams to design and interpret performance metrics for scalable risk, fraud, or growth models.
• Work closely with Product, Legal, and Compliance teams to interpret regulatory and market requirements and translate them into analytical policies and product recommendations.
• Oversee development and execution of analytical frameworks, ensuring new product launches and market entries align with risk appetite, operational capabilities, and regulations.
• Engage with external stakeholders such as merchants, vendors, and partners to ensure compliance and strengthen strategic relationships.
• Develop repeatable AI-assisted workflows and mentor junior analysts on technical skills and domain knowledge.

Primary Domains (Potential Team Assignments)

• Point of Sale (POS): Optimize merchant and checkout performance.
• Direct to Consumer (DTC) / Card: Drive engagement and lifecycle health across app, web, and card experiences.
• Fraud: Prevent and reduce fraud losses while maintaining user experience.
• Core Analytics: Build quantitative research, performance monitoring, and scalable data foundations.
• Servicing: Analyze repayment behavior, collections strategies, and operational efficiency.
• International Expansion: Support measurement and decision foundations for global market launches.

Requirements

• 2–5 years of experience in an analytically-driven role within consumer lending, credit, or fintech.
• Degree in Data Science, Computer Science, Engineering, Economics, or related quantitative field.
• Advanced proficiency in SQL, Python, or other scripting languages.
• Expertise in data mining, data visualization, statistical modeling, and applying machine learning to business or risk problems.
• Experience leading cross-functional initiatives involving Product, Legal, Compliance, and Engineering.
• Strong understanding of consumer lending regulations, regional market dynamics, and economic factors.
• Ability to translate complex regulatory and economic insights into actionable business strategies.
• Excellent communication skills with the ability to influence senior stakeholders across technical and non-technical teams.

Compensation & Benefits

• Pay Grade: K
• Equity Grade: 6
• Base pay range (per year):
  • California, Washington, New York, New Jersey, Connecticut: $145,000 - $205,000
  • All other U.S. states: $128,000 - $188,000
• Total compensation may include monthly stipends for health, wellness, and technology spending.
• Benefits include 100% subsidized medical coverage, dental, and vision for employees and dependents.
• Eligibility for equity rewards.
• Flexible Spending Wallets for technology, food, lifestyle, and family-forming expenses.
• Competitive vacation and holiday schedules.
• Employee Stock Purchase Plan (ESPP) allowing purchase of company shares at a discount.

Location

• Remote-first company with most roles allowing work from almost anywhere within the country of employment.
• Some roles may require occasional presence at assigned offices.
• Certain positions remain office-based due to job responsibilities.

Additional Information

• The employer is committed to providing an inclusive interview experience and reasonable accommodations for candidates with disabilities.
• For U.S. positions in Los Angeles or San Francisco, qualified applicants with arrest and conviction records will be considered in accordance with local fair chance hiring ordinances.