Data Analyst

This is an experienced Data Analyst who can independently drive high-impact analysis and shape strategic decisions. This role is not entry-level. The ideal candidate brings proven experience in online lending analytics, fraud detection, and credit risk performance management-preferably in subprime or alternative financial services.

This role owns analytic projects end-to-end: defining objectives, extracting and validating data, performing analysis, presenting findings, and ensuring recommendations are adopted. The individual will partner with underwriting, marketing, product, and external vendors to quantify risk, identify growth opportunities, and improve portfolio performance.

Success in this role means translating complex analysis into clear, persuasive recommendations that directly influence strategy, decisioning, and financial outcomes.

The right candidate will be:

• Experienced in credit and fraud analytics, not just reporting
• Able to challenge assumptions and propose analytical solutions
• Self-directed, accountable, and comfortable prioritizing multiple workstreams, * 5+ years analytics experience in online lending, fintech, consumer credit, fraud, or related industry
• 5+ years hands-on experience using R or Python for data extraction, modeling, automation, and analysis

• Demonstrated expertise with: *

• Credit risk analysis, segmentation, and underwriting decision support
• Fraud detection analytics (velocity checks, behavioral/identity risk indicators)
• Portfolio performance measurement and optimization
• Online marketing analytics and customer lifecycle performance
• Strong SQL skills, including SAS
• Ability to communicate insights visually and verbally to both technical and non-technical audiences (Power BI, Tableau, etc.)
• Proven ability to drive outcomes and influence leadership through data-based recommendations