Lead Data Analyst, MyPay

In this role, you can expect to

• Drive Risk Strategy: Support the end-to-end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies.
• Lead Experimentation: Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade-offs.
• Leverage Data Science: Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning.
• Cross-Functional Collaboration: Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets.
• Monitor & Report: Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program.

To thrive in this role, you have

• Experience: 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA).
• Technical Expertise: Expert-level proficiency in SQL for complex data extraction and manipulation. Strong programming skills in Python (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling.
• Experimentation Mastery: Deep hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts.
• Domain Knowledge: Solid understanding of consumer credit risk principles, loss forecasting, and unit economics.
• Communication: Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders.

Compensation & Benefits

• Base salary: $152,000 - $210,000
• Eligible for bonus, competitive equity package, and benefits
• 401k match plus medical, dental, vision, life, and disability benefits
• Generous vacation policy and company-wide paid days off
• Up to 24 weeks of paid parental leave for birthing parents and 12 weeks for non-birthing parents
• Annual wellness stipend
• 1% of time off to support local community organizations