Senior Data Analyst, Credit

Hi, we're Brightpath Technologies! A holistic financial health company helping everyday Americans build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team! Brightpath Technologies is doing innovative and exciting work, but don’t just take our word for it, our work is being recognized by others: Built In's 2026 Best Midsize Companies to Work For in New York City Built In's 2025 Best Places to Work For In New York City Built In’s 2024 & 2025 Best Startups to Work For In the U.S. Built In’s 2000 - 2000 Best Startups to Work For In New York City Fast Company’s Most Innovative Companies of 2022 Business Insider’s Most Promising Consumer Startups 2022 Forbes Fintech 50 2022 Role overview: Line of Credit is an emerging product that will be integral to Brightpath Technologies's core business. In this role, you’ll lead analytics for the new product to drive product insights, design and execute experiments, monitor key performance, and optimize underwriting. The work you do will directly impact our company's profitability. You’ll be a member of the Data & Analytics team, embedded in the Line of Credit pod. Day-to-day, that means you’ll focus on forecasting and monitoring profitability with Finance, partnering with Data Science to evaluate predictive models, and helping Engineering and Product make smarter decisions about how we underwrite and collect. The ideal candidate brings sharp analytical instincts, real product-domain knowledge with financial products, and an ownership mentality that turns insights into action. What you’ll be doing: Work collaboratively with the product pod to align on core metrics for the product and the levers to impact them Become embedded with the product, design, and engineering teams to define key metrics, answer important questions, and influence the product roadmap Improve the customer adoption, retention, and satisfaction through designing and executing product experiments to optimize customer experience and fit Forecast and assess the business impact of new customer acquisition flows and designs, and any product enhancements Forecast revenue (subscriptions, fees) and cost drivers (delinquencies, payment costs, etc.) Design and optimize underwriting and collection strategies Collaborate with Data Science to support the deployment and ongoing evaluation of predictive models that inform the risk profile of prospective customers and their ability to pay on an ongoing basis Build monitoring dashboards to track model performance post-launch and surface when adjustments are needed Translate model outputs into business-legible insights for stakeholders across product, finance, and leadership to influence product strategy and roadmap Ad-hoc analysis for high-priority initiatives for leadership stakeholders What you have: 4-6+ years in a product analytics or strategy role Experience in a fast-paced consumer finance or fintech startup environment is strongly preferred. Advanced SQL — you write complex queries from scratch and are comfortable maintaining data models. Exposure to Python or R is a plus. Ability to synthesize often ambiguous problems into a hypothesis-driven data investigation to weave a story together. Ability to then present the story employing data visualization to improve stakeholder understanding and steer strategic initiatives. Successful record of succinctly communicating qualitative and quantitative results in verbal and written communications for technical, business, and executive audiences. Demonstrated capacity to manage collaborative relationships and assert influence without authority, particularly when working with product managers, design, marketing, and engineering teams. Ability to break large projects into smaller pieces to meet deadlines and convert ideas into testable hypotheses and/or next steps Ability to succeed in a fast-paced and often ambiguous work environment Strong sense of intellectual curiosity about our users and products, balanced with humility, drive, and teamwork Ability to thrive in a remote and sometimes ambiguous environment. The anticipated annual base salary for this position is $125,000 - $150,000. This range does not include any other compensation components or other benefits for which an individual may be eligible (other benefits listed below). The actual base salary offered depends on a variety of factors, which may include as applicable, the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, and the location in which the applicant lives and/or from which they will be performing the job. Our Benefits &