Note: The job is a remote job and is open to candidates in USA. OnePay is a consumer fintech trusted by millions of Americans to improve financial services. The role involves leveraging data analytics to enhance credit decisions, develop credit profiles, and drive strategic business outcomes.
Responsibilities
- Recommend underwriting, line/limit, and policy changes to responsibly grow approvals and usage (e.g., cutoffs, segmentation, decision logic), using internal behavior, external risk signals, and reject inference techniques
- Develop cross-product customer credit profiles by connecting external credit attributes to on-us behavior, and identify signals that generalize across products vs. are product-specific
- Drive outcomes from uncovering insights in monitoring, to recommending and executing against strategic insights
- Design, execute, and analyze experiments (A/B tests, holdouts, policy tests), turning results into strategic recommendations and roll-out plans
- Intertwine analytics with business and product strategy to craft business proposals that ultimately impact the bottom-line
- Dig into user behavior and “double-clicks” of the data to identify high-impact opportunities for product improvements or targeted outreach, including second-order impacts
- Leverage AI-powered tools and techniques to accelerate analysis, develop and validate predictive insights, and push the boundaries of what’s possible in product analytics
- Share business insights and product enhancement recommendations to senior leadership and stakeholders effectively and concisely
Skills
- 4-7 years of professional experience in analytics with a proven track record of leveraging quantitative analyses to drive business or product changes in a fast-paced environment
- Demonstrated experience across consumer underwriting strategy and/or portfolio risk analytics
- Advanced SQL skills with a track record of extracting and analyzing complex datasets independently
- Strong analytical thinking and problem-solving skills — you can go from ambiguous questions to clear insights
- Proven ability to work cross-functionally to translate complex data questions into practical business guidance
- Intellectual curiosity to look beyond the ‘what' and answer the ‘why'
- An act-like-an-owner mentality. We have a bias toward taking action
Benefits
- Competitive base salary, stock options, and health benefits from Day 1
- 401(k) plan with company match
- Remote-friendly (US), flexible time off (FTO), and opportunities for growth
- A high-growth, mission-driven, inclusive culture where your work has real impact
Company Overview
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