Principal Business Analyst, Portfolio Management

This is a fully remote position, open to applicants in United States.

📋 Description

• Take charge of analytics, modeling, reporting, and recommendations for Portfolio Management initiatives.

• Develop strategies aimed at enhancing customer engagement and managing risk, which include upgrades and multicard options.

• Improve underwriting processes associated with multicard offers.

• Transform rewards upgrades and purchase incentives into validated strategies that boost engagement.

• Create or refine underwriting and pricing strategies for multicard and line-extension projects.

• Formulate re-engagement tactics for customers with low usage.

• Collaborate with risk, data science, and engineering teams to implement strategies effectively.

• Develop hypotheses, analyze data, and substantiate recommendations to stakeholders.

• Utilize business judgment to evaluate the alignment of model outputs with real-world scenarios.

⛳️ Requirements

• 2–5 years of experience in a highly analytical position, preferably in credit, lending, or line-extension strategy.

• Analytical proficiency with line-extending strategies such as credit limit increases, multicard offerings, or other underwriting-intensive products.

• Capability to solve problems comprehensively, from hypothesis formulation through data analysis to defending recommendations with stakeholders.

• Knowledge of SQL and Python for conducting data analysis.

• Bachelor’s or Master’s degree in Economics, Finance, Engineering, Mathematics, Statistics, or a related quantitative field with a robust academic record.

• Experience with credit cards or other consumer lending products, particularly in underwriting or portfolio management roles.

• Background in building or maintaining risk models utilized for account-level decision-making at scale.

• Familiarity with rewards, loyalty, or engagement initiatives.

• Proven expertise in SQL or Python.

• Experience using AI coding assistants such as Claude Code, Codex, Gemini CLI, or Cursor.

• Ability to collaborate with others to achieve desired outcomes.

• Business acumen to recognize when model outputs deviate from reality and explore the reasons behind it.

• Proficiency in Tableau is a plus, but not compulsory.

🏝️ Benefits

• Access to training programs and opportunities for career advancement.

• Comprehensive health, dental, and vision coverage.

• Flexible Spending Account for medical and childcare-related expenses.

• Paid parental leave.

• 401k Company Match.

• Generous paid time off (PTO).

• Flexible work schedules.

• Subscription to Calm App.

• Participation in an annual incentive program.

• Equity options.

• Monthly wellness stipend.

• Disability insurance coverage.

• Life insurance benefits.

• A remote-friendly work environment.