Credit/Product Analytics

📋 Description

• • Join OnePay Technologies Inc., a rapidly growing consumer fintech company backed by Walmart and Ribbit Capital, as a Credit/Product Analytics expert. We are on a mission to revolutionize the financial system by offering an all-in-one platform that includes banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto, all designed to make money better for millions of Americans.
• • As a key member of our analytics team, you will be instrumental in transforming vast amounts of internal and external data into actionable insights. Your primary focus will be on driving data-driven credit decisions, enabling OnePay to move faster and more effectively in a dynamic market.
• • You will own cross-product credit analytics and provide strategic recommendations across OnePay’s diverse product suite. This includes our credit card offerings, point-of-sale and after-purchase financing solutions, and cash advance products. Your expertise will be crucial in identifying unique risk signals specific to each program, as well as those that span the entire OnePay ecosystem.
• • This role demands a highly collaborative approach. You will work closely with various cross-functional teams to meticulously define complex problems, develop robust analytical frameworks to dissect them, and leverage data to inform and optimize our underwriting and portfolio strategies.
• • The ultimate goal is to enhance the customer experience while simultaneously advancing OnePay’s ambitious business objectives. Success in this position requires a deep passion for tackling the intricate challenges inherent in fintech and consumer risk management.
• • We are looking for individuals with an eager mentality, driven to accelerate our already robust customer growth. An owner mindset is essential, as you will be responsible for managing and improving our key portfolio performance metrics.
• • You understand that credit risk analysis is a multifaceted discipline that extends beyond mere data manipulation. You will cultivate a comprehensive point-of-view, expertly balancing the critical elements of growth, loss mitigation, customer impact, and operational realities.
• • Your responsibilities will include recommending critical underwriting, line/limit, and policy adjustments. These recommendations, based on sophisticated analysis of internal customer behavior, external risk signals, and advanced reject inference techniques, will be designed to responsibly increase approval rates and product usage.
• • You will be tasked with developing comprehensive, cross-product customer credit profiles. This involves skillfully connecting external credit attributes with on-us customer behavior data, and discerning which signals are universally applicable across products versus those that are product-specific.
• • A significant part of your role will be to drive tangible outcomes, starting from the meticulous uncovering of insights through ongoing monitoring, to formulating and executing strategic recommendations based on these findings.
• • You will design, execute, and rigorously analyze experiments, including A/B tests, holdout groups, and policy tests. The insights derived from these experiments will be translated into actionable strategic recommendations and detailed roll-out plans.
• • This position requires the ability to seamlessly intertwine analytical findings with overarching business and product strategy. You will craft compelling business proposals that directly impact the company’s bottom-line performance.
• • You will delve deep into user behavior, exploring the granular details of data to pinpoint high-impact opportunities for product enhancements or targeted customer outreach, always considering both immediate and second-order effects.
• • We encourage the leverage of AI-powered tools and cutting-edge techniques to accelerate analytical processes, develop and validate predictive insights, and continuously push the boundaries of what is achievable in product analytics.
• • Finally, you will be responsible for effectively and concisely communicating complex business insights and product enhancement recommendations to senior leadership and key stakeholders, ensuring clarity and driving informed decision-making.
• • At OnePay, we move fast. We are looking for individuals who are ready to run, possess a hunger driven by urgency, are exceptional at their craft with low ego, and thrive in a dynamic, fast-paced environment.