Senior Analyst

Overview

This role is part of a Risk & Analytics team responsible for making key decisions that guide business strategy in a consumer finance environment focused on buy now, pay later solutions. The team collaborates with Machine Learning, Product, Engineering, Capital Markets, and Commercial groups to optimize approval rates, conversion, loss mitigation, and profitability across the customer and merchant lifecycle.

The team addresses challenges such as checkout conversion optimization, fraud risk reduction, scalable data infrastructure development, and international market expansion. Analysts take ownership of the full analytical lifecycle, turning complex data into actionable insights that support efficient and intelligent growth.

Responsibilities

• Independently leverage advanced data analytics to derive insights and optimize business, risk, or growth strategies across products and geographies.
• Monitor portfolio performance and macroeconomic trends to proactively adjust analytical and operational strategies balancing risk and growth.
• Collaborate with Engineering and Machine Learning teams to design, build, 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, translating them into analytical policies and product design recommendations.
• Oversee the development and execution of analytical frameworks, ensuring new product launches and market entries align with risk appetite, operational capabilities, and local regulations.
• Engage with external stakeholders such as merchants, vendors, and partners to ensure compliance and strengthen strategic relationships.
• Develop repeatable AI-assisted workflows to enhance team analyses and mentor junior analysts on technical skills and domain knowledge.

Requirements

• 2–5 years of experience in an analytically-driven role within consumer lending, credit, or fintech industries.
• Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.
• Advanced proficiency in SQL, Python, or other scripting languages.
• Expertise in data mining, data visualization, and statistical modeling, including applying machine learning techniques to business or risk management problems.
• Proven ability to lead cross-functional initiatives involving Product, Legal, Compliance, and Engineering teams.
• Strong understanding of consumer lending regulations, regional market dynamics, and economic factors influencing policy and growth.
• 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.

Preferred Qualifications

• Experience working in a fast-paced, ambiguous environment balancing growth and resilience.
• Demonstrated ability to operate at both strategic and execution levels.

Compensation & Benefits

• Pay Grade: K
• Equity Grade: 6
• Base pay range for CA, WA, NY, NJ, CT: $145,000 - $205,000 per year
• Base pay range for other U.S. states: $128,000 - $188,000 per year
• Total compensation package 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.
• Employee stock purchase plan allowing discounted share purchases.
• Competitive vacation and holiday schedules.
• Flexible spending wallets for technology, food, lifestyle, and family-forming expenses.

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.
• U.S. positions may be performed in Los Angeles or San Francisco, with fair chance hiring policies in place.

Additional Information

Reasonable accommodations are available during the hiring process for candidates with disabilities to ensure an inclusive interview experience.