We fund small businesses, and the richest thing we know about them is their bank activity. Every applicant and every merchant we fund connects their accounts, which gives us deposits, balances, withdrawals, NSFs, and revenue trends on tens of thousands of businesses every week. Most of that signal is not yet used.
We are looking for a Senior Analyst to own that data as an analytical asset and turn it into decisions: who we should approve and how fast, where the portfolio is heading, and the growth we’re currently leaving on the table.
This cuts both ways, and that’s what makes the role bigger than credit. On defense, you’ll continuously monitor the health of the portfolio and find the cash-flow patterns that move weeks ahead of losses. On offense, you’ll find the merchants whose bank data says we should be saying yes, and saying yes faster: the businesses with strong, steady trends who are prime candidates for auto-approval, pre-approved offers, and renewals. You’ll use the applicants we don’t fund as a market signal, and you’ll work directly with our Pricing and Credit teams to turn all of it into action.
This is not a reporting role. You’ll be the person who can answer, straight from the data, “is this segment getting healthier or weaker, who in it should we be approving, and what should we do about pricing and renewals?”
We are a very AI-forward company, and we expect our analysts to work that way. We want someone who leans on modern AI and LLM tooling to make their own analysis faster and sharper, and who is excited to help build intelligence directly into how the business runs.
We want to work with high-performing badasses who see the whole picture and make everyone around them better.