Mission Lane

Director

• Manage P&L and build out the proactive multicard and upgrades program
• Lead and mentor a team of analysts to their full potential
• Optimize account management strategies in response to customer behavior and changing marketplace conditions
• Develop a roadmap that will help move forward the proactive multicard and upgrades program to enable step changes in the company's growth trajectory, with a focus on keeping and engaging our best customers
• Engage with senior management regularly to articulate the strategy and the opportunities of the program
• Collaborate with cross-functional teams across product, data science, engineering, and capital markets to bring strategies to market

Director of Credit, Portfolio Management

Analyst

• Lead the development of actionable strategies based on data-driven insights and model the expected financial impacts to improve our underwriting & pricing strategies while ensuring customer success
• Manage multiple projects and coach junior analysts on the team
• Design and enhance the customer lifetime value (LTV) model to drive business growth
• Present and communicate clear recommendations to senior leadership
• Enable long-term growth by pushing forward our testing agenda to build insights into consumer behavior and invest in future growth
• Drive cross functional teams across product, data science, and engineering to bring strategies to market

Principal Analyst L7 / Manager L8, Business Analysis, Portfolio Management

General Counsel

• Lead and mentor a team of high-performing in-house attorneys, ensuring they are empowered to provide clear, actionable, and straightforward legal advice to the business.
• Serve as a senior legal advisor to executive leaders and the business on a broad range of complex regulatory, corporate, and operational matters relevant to a growing financial services and credit card company.
• Partner closely with senior leadership to implement efficient legal review processes that introduce the appropriate structure and discipline needed for a scaling, regulated financial institution while preserving our ability to move quickly.
• Provide expert counsel on compliance matters partnering with our Compliance team including with federal regulatory practices and core consumer finance laws (e.g., FCRA, TILA/Reg Z, ECOA/Reg B, UDAAP, BSA/AML, TCPA, FDCPA, and relevant state laws).
• Advise as needed on general corporate legal matters (e.g., entity governance, vendor contracts, intellectual property) as the business scales and enters new strategic partnerships.
• Collaborate with the General Counsel, Risk and Compliance partners to ensure seamless and effective alignment across risk, compliance, and legal functions.

Deputy General Counsel

Business Analyst

• Take the lead in initiatives to improve our underwriting & pricing strategies
• Optimize current acquisition strategies in response to customer behavior and changing marketplace conditions
• Develop actionable financial strategies based on financial data-driven insights to improve credit risk and profitability while driving step changes in the company’s growth trajectory
• Seed tests in market to better understand customer behavior and leverage learnings to invest in future growth
• Collaborate with cross-functional teams across product, data science, engineering and capital markets to bring strategies to market
• Articulate and communicate strategies to senior leadership

Principal Business Analyst, Acquisitions

Manager

• Maintain and Evolve Our Structure: Manage our compensation architecture, including job evaluations and salary structures, to ensure internal equity.
• Keep Us Competitive: Lead the annual refresh of compensation data, analyzing market trends to ensure our pay remains competitive.
• Run Our Core Programs: Lead the company-wide annual merit, bonus, and equity refresh processes from planning and budgeting to execution and communication.
• Shape Incentive Plans: Partner in the design, documentation, and administration of our various incentive plans, from monthly production bonuses to annual corporate incentives.
• Be a Trusted Partner: Work closely with HR Business Partners (HRBPs) and hiring managers to price new jobs and manage compensation for promotions, transfers, and market adjustments.
• Analyze and Advise: Analyze and recommend the appropriate mix of base pay, incentive, and equity across the organization.
• Support Executive Planning: Prepare clear, data-driven materials for the Compensation Committee, including peer group analysis and executive compensation data.
• Educate and Empower: Serve as a key resource for educating managers and employees on our compensation philosophy and practices, translating complex data into simple, actionable insights.

Compensation Manager

Technical Recruiter

• Strategically partner with our TA team and hiring managers to understand their hiring needs
• Proactively identify and engage a diverse range of top-tier candidates
• Build and maintain robust, high-quality talent pipelines
• Become a subject matter expert on the talent market
• Leverage and master our tech stack
• Innovate and experiment with new tools and techniques
• Track and analyze key recruiting metrics
• Create a positive and memorable candidate experience

Technical Sourcer

• analyze and investigate fraud trends by diving deep into transaction data to proactively identify emerging fraud patterns and uncover system vulnerabilities
• develop and fine tune fraud strategies by designing, building, and implementing new real-time defenses to detect and prevent fraudulent activity
• balance risk with customer experience by making thoughtful, data-backed decisions that strike the optimal balance
• monitor and report on performance with robust dashboards to track key metrics
• optimize and collaborate with Operations, Product, Data Science, and Engineering teams to improve fraud detection capabilities

Senior Business Analyst, Fraud

• Own the Fraud P&L and Strategic Vision.
• Lead and Mentor a High-Performing Team.
• Architect Fraud Defenses across the Customer Lifecycle.
• Drive Cross-Functional Execution.
• Engage and Influence Senior Management.

Director of Fraud Strategy – Analytics

• Package quantitative and qualitative insights into clear, concise business cases to influence leadership and drive real outcomes.
• Leverage a combination of data, technology and customer-back thinking to deliver key initiatives that enable our customers and our business to succeed.
• Work closely with partners across Product, Credit, Finance, Engineering and Operations to understand the current state and identify opportunities to improve economics, customer experience, risk, and efficiency.
• Continuously analyze current business and operational data and processes to identify improvement opportunities. Learn fast and act like an owner by proactively seeking out information and solving complex problems.
• Leverage analytical findings to build best-in-class C/R capabilities in areas like Segmentation, Offer Strategy, Contact Strategy & Operational Infrastructure to best serve delinquent/charged off customers in resolving their debt and improving their financial lives.

Principal Business Analyst, Collections & Recoveries

Procurement

• Reinvent the vendor lifecycle and create processes, templates, and a right-sized agile contract/vendor management framework
• Act as a trusted advisor to business partners, define needs, navigate the contracting process, and lead RFPs for high-investment vendors
• Proactively review vendor portfolio to identify cost savings and consolidate redundant services; ensure documented rationale for vendor selection
• Lead negotiations and influence stakeholders to resolve complex situations
• Partner closely with legal and second-line risk teams to align processes with the established risk framework
• Be both the architect and operator: define process and execute day-to-day work as a department of one
• Report to the Head of Cross-functional Planning and Strategic Relationships and serve as the connective tissue between business units, legal, and risk

Senior Strategic Sourcing Manager

Data Engineer

• Design, develop, and maintain high-performance data pipelines using Python, SQL, dbt, and Snowflake on GCP.
• Engage in efforts to advance code quality, test coverage, and maintainability of data pipelines.
• Champion and implement software engineering best practices, including code reviews, testing methodology, CI/CD, and documentation.
• Support the adoption of data quality tools and practices (e.g., data lineage, automated alerting).
• Research, evaluate, and recommend new technologies and tools to improve the data platform.
• Contribute to the data architecture and design of the data warehouse.
• Collaborate with software engineering teams to define data structures, streamline ingestion processes, and ensure data consistency.
• Work closely with stakeholders (data scientists, analysts, business users) to understand data needs and translate them into technical requirements.
• Troubleshoot and resolve complex data pipeline issues, ensuring data quality and reliability.
• Contribute to the development and maintenance of CI/CD pipelines for data infrastructure.
• Participate in on-call rotation to support critical data pipelines.
• Identify and address inefficiencies in data engineering processes.

Account Manager

• Speak with existing and potential customers over the phone regarding a variety of issues related to Mission Lane credit cards
• Communicate with empathy, curiosity, and respect to identify the most effective way to assist the caller
• Ensure compliance with policy, procedures, and regulatory requirements while delivering high-quality customer service
• Complete after-call work with accuracy and efficiency
• Serve as the friendly voice assisting Mission Lane credit cardholders in a virtual call center and handle high call volumes
• Participate in paid training during the first three weeks and adhere to the specified schedule and attendance expectations
• Opportunity for promotion to Account Manager based on achievement of performance goals

Account Coordinator, Servicing

At Mission Lane, our analysts work on business problems that touch all facets of the business and have the opportunity to work on different teams within the organization as their careers develop. This team is responsible for increasing engagement and profitability with our customer base, growing our multicard program, assessing key portfolio risks, and improving the digital customer experience with Mission Lane. By leveraging various analytics tools, they work with cross-functional partners to drive portfolio profitability while maintaining Mission Lane’s commitment to financial inclusion.
As a Principal Business Analyst you will:
Drive decisions with data: Leverage models and historical data to develop tests, make decisions, and inform peers and leadership of the performance of Mission Lane’s portfolio
Analyze portfolio performance: Report to internal stakeholders and leadership the performance of Mission Lane and how Mission Lane performs in comparison to key competitors
Collaborate cross-functionally: Collaborate with product teams to execute tests and to roll-out grounded and proven initiatives
Drive strategic decision-making: Be part of a team that is responsible for driving short-term and long-term revenue with a large, varied portfolio

Principal Business Analyst, Portfolio Management

Data Scientist

• Lead a data science team and cross-functional projects to innovate and improve the machine learning models used for decisioning.
• Lead the design, development, and deployment of machine learning models to solve practical problems and help customers reach financial goals.
• Partner with business leaders and technical experts to develop new data sources, improve modeling methodology, and apply models with sound risk management.
• Create, deploy, and manage experiments and production models that enable efficient and accurate decisions across the portfolio.

Director, Data Science Operations

Program Manager

• Manage overall relationships with debt buyers with whom Mission Lane has completed sales
• Ensure mutual adherence to Purchase & Sale Agreements (PSAs)
• Coordinate delivery of obligations and responsibilities under PSAs
• Liaise between buyers and Mission Lane to resolve issues and needs related to sales
• Monitor and nurture buyer relationships to ensure they are mutually effective and sustainable for Mission Lane’s long-term debt sales strategy
• Manage Post Sale Support obligations from PSAs, including tracking obligations, forecasting volumes, and coordinating Mission Lane resources
• Handle putbacks and recalls, direct payments, balance adjustments, trailing activity reporting, disputes, complaints, and account inquiries on sold accounts
• Track, forecast, and coordinate affidavit requests, completion at Mission Lane and partner banks, and delivery to buyers
• Understand and stay current on market dynamics, key buyers, market pricing, industry terminology, standards, and business terms related to sales
• Coordinate with Mission Lane resources to create marketing files and materials, and manage the marketing process for obtaining bids and proposals from buyers
• Gather and summarize pricing proposals and present to Mission Lane management for decisions and approvals
• Work with buyers to award sales decisions, confirm volumes, and create sales timelines
• Work with Mission Lane legal to negotiate PSAs and finalize business terms related to sales
• Create sales execution timelines in partnership with Mission Lane resources
• Successfully execute on debt sales, ensuring successful closing, funding, and delivery
• Ensure successful delivery of final sale files, supplemental files, media, and legal documents to buyers
• Ensure Mission Lane has received all required documents and information from buyers
• Manage and resolve issues and needs of buyers related to Mission Lane’s debt sales, coordinating with relevant internal resources as needed
• Plan and forecast bulk sales and forward flow sales expectations (volumes, pricing, proceeds) to meet Mission Lane’s strategic needs