Leverage multiple, complex data sources such as third-party vendor data, internal performance metrics, and machine learning models to perform quantitative and decision-tree analyses to produce actionable recommendations for new merchant underwriting and assess existing merchant profitability to support healthy business growth.
Monitor, investigate, and conduct p &l analysis to optimize merchant underwriting policy and processes to improve merchant experience while controlling merchant risk at scale with a strong sense of ownership and urgency; ongoing collaboration to enable merchant risk operation teams to handle edge cases
Design and maintain Sigma reporting and conduct statistical analyses to track merchant engagement and performance across different dimensions to ensure healthy growth and profitability
Partner cross-functionally (clear communication + strong collaboration) with sales and operations teams to deliver customized merchant treatments that ensure profitability with smooth sales operations
Investigate merchant fraud cases, identify relevant patterns, and implement preventive measures to mitigate risk
Learn and leverage analytical tools (Python/R, SQL, etc.) to perform statistical and decision-tree analyses to identify root causes and potential business opportunities.
Partner with data and engineering teams to enhance treatment capabilities and monitor implementation quality
Communicate findings clearly through summaries, presentations, and process documentation

Requirements

Master’s degree in a quantitative discipline such as Statistics, Operations Research, Economics, Engineering, Data Science, or any other STEM major
2+ years of work experience in LTO or the financial industry
High-level proficiency in Python, SQL, R, or other data mining and analytical tools
Strong sense of ownership, timeline, and collaboration
Prior experience in the lease-to-own (LTO) or the financial lending industry, with good P&L analytical experience
Familiarity with any decision-tree analysis approach, like pivot table, Knowledge Seeker or Enterprise Miner

Benefits

Earn a competitive salary of $95,000-140,000
We prioritize your well-being by covering 80% of medical, dental, and vision insurance costs, including coverage for your spouse, children, and other dependents.
Begin planning for your future from day one with our 401k plan.
We understand the importance of work-life balance. That's why we offer flexible paid time off days starting from day one of your employment.

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

data analysisdecision-tree analysisP&L analysisstatistical analysisquantitative analysismachine learningdata mining

Soft Skills

strong collaborationclear communicationsense of ownershipurgencyproblem-solving