Manager of Business Analytics - Non-Prime Installment Loan

Role overview Help design and launch the risk management framework for a new installment lending product. This individual contributor role combines credit policy, portfolio monitoring, and decision support, partnering across product, engineering, compliance, legal, operations, and finance as the product moves from design and pilot into broader growth. The position may develop into people leadership as the portfolio expands.

Responsibilities - Develop and maintain credit policies covering customer eligibility, underwriting approach, credit assignment, and pricing inputs. - Turn policy decisions into operating procedures and controls; maintain a review process and documented history of changes. - Build monitoring for risk appetite and early indicators such as approval patterns, early delinquencies, fraud, payment failures, and complaints. - Track portfolio performance by cohort and segments such as state, sales channel, merchant, and risk band; create leadership reporting and self-serve dashboards. - Analyze product trade-offs involving risk, approval rates, economics, and customer experience, and assess rollout readiness across markets and sectors. - Partner on pilot and phased-launch measurement plans, define success criteria, and keep owners and stakeholders aligned on milestones.

Requirements - Bachelor’s degree; a quantitative discipline such as statistics, mathematics, economics, business, or engineering is preferred. - At least 5 years of experience in analytics, data science, or consulting. - Proficiency with Excel, SQL, and Python for analysis. - Strong attention to detail, problem-solving, planning, and written and verbal communication skills.

Nice to have - At least 3 years in credit risk analytics. - Experience in consumer finance, such as cards, personal loans, auto lending, or buy now, pay later products. - Experience launching or scaling a financial product.

Benefits and work setup - Based in Richmond or Arlington, Virginia, or remote within the United States; nearby employees may work onsite, hybrid, or remotely. - Medical, dental, and vision coverage; paid time off and holidays; 401(k) matching; tuition or student loan support; commuter assistance; and parental leave. - Eligible for a company bonus plan.