Business Analyst

Position Overview

highly business-savvy

In this role, you will own the end-to-end targeting and campaign selection process for your assigned bureau. Your primary goal is to ensure the right customers receive the right offers at the right time—driving response rates, conversion rates, loan volume, and profitability. You will combine hands-on data analysis (SQL, Excel) with strategic business decision-making, requiring not only strong technical skills but also the ability to interpret historical performance in context, account for anomalies, and forecast future outcomes with confidence.

The ideal candidate brings over 5 years of experience in consumer lending and analytics, paired with strong leadership potential. This is an opportunity for a high-performing professional ready to grow into a managerial role as the team expands.

Key Responsibilities

• Campaign Targeting & Selection

• Pull and prepare data using SQL to identify target customers for direct mail campaigns.
• Evaluate historical performance metrics such as response rate, approval rate, conversion rate, loan size, and payment performance.
• Make informed selections for upcoming campaigns based on a combination of quantitative data and qualitative business context.

• Performance Analysis & Optimization

• Maintain and monitor performance metrics.
• Identify and communicate trends, risks, and opportunities to stakeholders.
• Recommend strategies to improve campaign performance and profitability.

• Business Decision-Making & Leadership

• Use data-driven insights to directly influence credit policy and campaign execution.
• Weigh trade-offs between targeting breadth, expected performance, and operational constraints.
• Demonstrate ownership of initiatives and act as a thought partner to senior leadership in refining credit policies.
• Mentor junior analysts and help establish best practices within the analytics team.

Must haves:

• Bachelor’s degree in Engineering or related field.

• 5+ years

  in a consumer lending financial services company

  managing portfolio performance and making business-driven credit policy decisions.
• Demonstrated

  ability to

  influence stakeholders

  and

  readiness to grow into a manager role

  .
• Proven track record of

  interpreting data within a business context

  to make high-impact decisions.

• Proficiency in SQL,

  writing complex queries to extract and manipulate large datasets.

• Advanced Excel skills,

  including pivot tables, calculated fields, and data visualization

  .

• Experience with Python

  with the ability to run underwriting (UW) and response rate models to score customer populations for direct mail targeting.

• Great analytical Skills,

  with strong ability to identify performance drivers, isolate anomalies, and develop actionable recommendations.

• Excellent verbal and written English skills

  for presenting findings to non-technical stakeholders.

Nice to haves:

• Master’s degree in Business Administration (MBA) is a huge plus.
• Prior experience in the fintech industry.
• Experience with direct mail marketing in a financial services context.
• Familiarity with credit bureau data and segmentation strategies.
• Understanding of consumer credit products, including installment.
• Leadership experience.