Principal Business Analyst (Fintech)

TL;DR

Principal Business Analyst (Fintech): Designing and optimizing underwriting, pricing, and customer engagement strategies for credit portfolio management with an accent on multicard offers and purchase incentives. Focus on building risk models, analyzing consumer lending data, and integrating AI tools to drive engagement and risk management.

Location: Remote (Must be based in the United States)

Salary: $118,000 - $135,000

Company

A purpose-driven fintech company providing accessible credit card solutions to underserved US consumers to help them achieve financial progress.

What you will do

• Design and refine underwriting and pricing for multicard and line-extending strategies.
• Develop and test strategies for re-engaging low-usage customers via rewards and purchase incentives.
• Partner with risk, data science, and engineering teams to bring strategies to market.
• Frame hypotheses, analyze data, and defend recommendations to key stakeholders.
• Integrate AI coding assistants into analytical workflows to improve efficiency.

Requirements

• 2-5 years of experience in a highly analytical role, ideally in credit, lending, or line-extension strategy.
• Must be based in the United States.
• Valid US work authorization required (no sponsorship provided).
• Proficiency in SQL and Python for data analysis.
• Bachelor's or Master's degree in Economics, Finance, Engineering, Mathematics, Statistics, or a similar quantitative field.

Nice to have

• Experience with credit cards, underwriting, or portfolio management.
• Experience building risk models for account-level decisions at scale.
• Familiarity with Tableau.
• Experience using AI coding tools such as Claude Code, Codex, Gemini CLI, or Cursor.

Culture & Benefits

• Comprehensive health, dental, and vision insurance.
• 401k company match and Flexible Spending Account (FSA).
• Generous PTO, flexible schedules, and paid parental leave.
• Monthly wellness stipend and a Calm App subscription.
• Engaging culture with access to professional training and advancement opportunities.