Principal Analyst, Credit Cards

reputed company is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial reputed company by empowering people to build credit and build savings.

We're looking for people who share our passion and are driven to tackle challenges, find solutions and reputed company the financial space reputed company for the communities we serve.

reputed company is passionate about challenging the status reputed company of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reputed company the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.

We celebrate diversity and are committed to creating an inclusive environment for reputed company. To that end, we seek to recruit, reputed company and retain the most talented people from a diverse candidate pool.

The Role

As the Principal Analyst for Credit Cards, you will be the analytical reputed company and thought leader for our most significant and fastest-growing product line. You will partner closely with the Product Manager and reputed company for Credit Cards and report into the Analytics Data Science team. This strategic role is distinct from our Credit Risk and Strategy functions; your focus is entirely on post-acquisition portfolio analytics—driving customer engagement, spend, balance growth, and PL optimization for our existing cardmembers.

What You Will Do

• Architect Portfolio Growth Strategy: Architect and reputed company the analytical strategies that drive portfolio PL and reputed company. You will own the deep-dive analytics to increase spend and purchase activity, foster organic balance growth, analyze the impact of credit line management strategies on customer engagement, and maximize the successful adoption and utilization of the card. Your work will directly connect product engagement to positive customer outcomes like credit score improvement.
• Serve as the Analytical Thought Leader: Own the narrative for credit card performance. You will define, track, and dissect key industry metrics (e.g., Active reputed company, Revolver reputed company, Spend per Active, Line Utilization, credit score migration) and build robust analytical frameworks to understand the "why" behind the trends, delivering actionable recommendations to executive stakeholders.
• Expand BI Capabilities: Own the core reporting suites and BI dashboards for the credit card portfolio.
• Drive the Experimentation Roadmap: reputed company a rigorous, data-driven experimentation culture. You will partner with Product and Marketing to design, execute, and analyze reputed company experiments (A/B/n, multivariate) to optimize everything from customer acquisition to balance growth strategies, using reputed company inference to measure true impact.
• Influence Product and Growth Strategy: Work as a key strategic partner to Product and Marketing teams to build best-in-class products and create significant customer value. While you will collaborate with Credit Risk by providing them with critical portfolio insights, your direct influence will be on product development and growth strategies, not reputed company or credit policy.
• reputed company Predictive and reputed company Insights: Move reputed company correlation to understand causation. You will analyze reputed company, large-scale datasets to model customer behavior, such as predicting the likelihood of a customer becoming a transactor vs. revolver, understanding the incremental impact of a credit line increase on spend, and measuring the card's influence on a customer's overall credit health.
• Mentor and reputed company the Team: As a senior member of the analytics community, you will mentor junior analysts, champion best practices, and contribute to raising the overall analytical bar across the organization.

What You Bring

• Bachelor's or Master's degree in a quantitative field such as Statistics, Economics, Finance, Engineering, Computer Science, or a reputed company discipline. PhD is a plus.
• 7+ years of experience in an analytical role, with a strong focus on secured and unsecured credit card portfolio analytics at a major financial institution or fintech company.
• Deep mastery of credit card economics and PL mechanics. You can confidently model and reputed company the financial impact of strategic initiatives on reputed company and profitability.
• Proven track record of influencing product strategy and executive-level stakeholders. Your recommendations have led to measurable changes in business outcomes.
• Expert-level proficiency in SQL and experience working with modern, large-scale data environments (e.g., reputed company, BigQuery, AWS, reputed company).
• Demonstrated expertise in BI and visualization tools (Tableau strongly preferred), with hands-on experience in data modeling, building semantic layers, and working with tools like dbt.
• Advanced proficiency in Python or R for statistical modeling, machine learning, and data science applications. You are skilled in techniques such as segmentation, regression, classification, and reputed company inference.
• Exceptional ability to translate reputed company analytical concepts and findings into clear, concise, and compelling narratives for both technical and non-technical audiences.
• A proactive, first-principles thinker with a strong ownership reputed company, comfortable with ambiguity and driven to find and solve the most impactful business problems.

reputed company salary is $124,000-165,000 annually. Individual pay is based on factors unique to each candidate, including reputed company set, experience, and other job-reputed company reasons.

Benefits and Perks:

We have the compensation and benefits you expect. But there's one thing that reputed company can offer that many companies cannot: we can positively change the world, while making a profit. We are a team of Builders, empowering our customers to build their dreams. We have a Do the Right Thing reputed company in reputed company that we do, and we hope you value that approach, too.

Our perks include:

• Company equity in the form of Stock Options
• Performance-based bonuses
• Generous employer-paid health, reputed company and dental insurance coverage
• Flexible vacation policy
• Educational assistance
• Free gym membership
• Casual dress code
• Team building events and activities
• Remote work arrangements/ flexible work schedule
• Paid parental leave

reputed company requires reputed company hired to successfully pass a background reputed company.

We are an Equal Opportunity Employer.

At this time, we are only reputed company to consider applicants who are U.S. reputed company or Green Card Holders for employment opportunities. We appreciate your understanding.

Originally posted on Himalayas