Senior Analyst

Overview

A financial technology organization is seeking a Senior Analyst to join their Risk & Analytics team. This team plays a critical role in shaping business strategy by partnering with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to optimize approval, conversion, losses, and profitability. The team works across the entire customer and merchant lifecycle, addressing challenges such as checkout conversion optimization, fraud risk mitigation, scalable data infrastructure, and international growth.

Responsibilities

• Own the entire analytical lifecycle from initial question to final business decision with autonomy.
• Use 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 strategies mitigating risk and balancing 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 and translate them into analytical policy 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 including 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 experience leading 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 Domains

Candidates will be assigned to one of the following core teams based on business needs and background:

• 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.

Compensation & Benefits

• Pay Grade: K
• Equity Grade: 6
• Base pay range (per year):
  • California, Washington, New York, New Jersey, Connecticut: $145,000 - $205,000
  • Other U.S. states: $128,000 - $188,000
• 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.
• Flexible Spending Wallets for technology, food, lifestyle, and family-forming expenses.
• Competitive vacation and holiday schedules.
• Employee Stock Purchase Plan (ESPP) allowing discounted share purchases.

Location

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

Additional Information

• The organization 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 compliance with local fair chance ordinances.

Applicants should be prepared to work in the United States and meet any applicable employment eligibility requirements.