Sr. Business Analyst, Credit Card

JOB TITLE: Sr. Business Analyst, Credit Card

LOCATION: Remote, US

REPORTS TO: Director, Card Growth and Risk Management

The Company:

Sunbit builds financial technology for real life. Our technology eases the stress of paying for life’s expenses by giving people more options on how and when they pay. Founded in 2016, Sunbit offers a next-generation, no-fee credit card that can be managed through a powerful mobile app, as well as a point-of-sale payment option available at more than 25,000 service locations, including 1 in 2 auto dealerships, optical practices, dentist offices, veterinary clinics, and specialty healthcare services. By introducing a flexible way to pay over time, we are proud of our ability to lift up service providers and retailers while helping consumers when necessary expenses arise... regardless of whether they were expected or unexpected.

Sunbit was included on the 2022 and 2023 Inc. 5000 list. The financial technology company has also been named as a Most Loved Workplace®, Best Point of Sale Company, and as a Top Fintech Startup by CB Insights. 

We use cutting-edge innovations in financial technology to bring leading data and features that allow individuals to be qualified instantly, making purchases at the point-of-sale fast, fair and easy for consumers from all walks of life. We create value focused on our core values; we work tirelessly to ensure that Sunbit becomes available to everyone, everywhere.

Sunbit is proud to be recognized on the CB Insights List of Unicorn Companies, with a valuation of $1.1B. (https://www.cbinsights.com/research-unicorn-companies)

The Role:

We are looking for a world-class Sr. Business Analyst for a role on our direct-to-consumer team supporting Sunbit’s Credit Card business.

This is an opportunity for a collaborative, analytical, and data-driven individual to support a rapidly growing product, key performance verticals, and the company P&L by leading projects and working across the organization to effectively drive growth, scale, efficiency, and an outstanding customer experience.

Our team has a broad mandate and is well-resourced while small enough that each individual has true responsibility and makes a meaningful impact.

What You'll Own:

• Conduct business and financial analysis to evaluate performance, determine strategy and prioritize opportunities, and drive successful execution
• Partner cross-functionally with operations, tech, analytics, marketing, and legal teams, to determine requirements and priorities
• Coordinate and manage projects to successful delivery, on time
• Determining appropriate credit limits and terms for credit card applicants
• Monitoring portfolio performance and identifying trends
• Recommending strategies to mitigate credit risk and optimize profitability
• Research and identify new opportunities to grow, expand, and improve Sunbit’s products

What You Bring to the Table:

• 2-4 year of relevant professional experience, preferably in Credit Card, Loans or other financial services (fintech/fast-growing consumer startup a plus!)
• Strong quantitative/analytical skills with the ability to synthesize data into meaningful insights that drive successful business outcomes
• Proficiency in Microsoft Excel and SQL with experience analyzing and deriving conclusions from large data sets
• Knowledge in Tableau, Python, R or SAS
• Proficient in forecasting models like time series forecasting
• Strong verbal, written communication, and presentation skills
• Intelligent, go-getter, ambitious, self-motivated, and hungry for success 
• Experience cultivating credibility by building strong, collaborative relationships with internal/external business partners and peers
• Organized and able to manage ambiguity and complexity
• Ability to work independently and at multiple levels

The Perks:

• Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024), #161 on Deloitte Technology Fast 500 list
• Mission driven + empowered + collaborative
• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Maternity Leave
• Newly added HSA and Pet Insurance
• 401K Plan with Matching 
• Cell Phone Stipend 
• Team based strategic planning + Team owned deliverables

Cultural Competencies for Success at Sunbit:

• Serve others before self - Prioritize the needs of merchants, clients, and team members to drive successful outcomes.
• Own the impact - Take responsibility for project performance, delivering on time and fostering strong relationships across teams
• Connect genuinely - Build authentic relationships internally and externally, acting as a proud Sunbit ambassador.
• Act fast -  Respond quickly to changes and collaborate effectively to address challenges and opportunities.
• Include always - Embrace collaboration, welcoming others while managing complexity and driving team success.
• Innovate for good - Continuously seek ways to enhance Sunbit’s products, driving innovation for the benefit of our business and customers.

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.

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