Senior Credit Analytics Manager, Empower Finance
Cash Advance
$150-210k
Offers Equity and bonus
More information about location
Credit health & financial management app
Open for applications
Credit health & financial management app
101-200 employees
Open for applications
$150-210k
Offers Equity and bonus
More information about location
101-200 employees
Company mission
To expand access to fair credit to give anyone in the world the opportunity to improve their financial security and mobility.
Role
Who you are
- The ideal candidate is driven by a passion for leveraging data and analytics to fuel business growth and improve customer financial well-being
- Bachelor’s degree in Engineering, Business, Finance, Computer Science, or Mathematics
- 3+ years of industry experience in data analytics and credit risk management
- Strong proficiency in SQL and Python
- Proven ability to design tests and build credit policies
- Adaptable and eager to learn new tools and analytical methods
- Experience working with cross-functional teams, including tech, product, credit, and business
- A structured approach to problem-solving, with the ability to communicate complex topics effectively using frameworks
- (Preferred) Experience in credit analytics at a bank or fintech company
What the job involves
- Empower is looking for a talented analyst to join our high growth fintech startup and help develop and optimize our flagship cash advance product
- This role presents an exciting opportunity to make a significant impact on our largest product line while working closely with cross-functional teams
- As part of the Credit and Data Science team, you will focus on implementing and monitoring new risk models, collaborating with finance to assess and execute credit policies, and working with product teams to ideate and launch new features and improvements
- This individual will lead workstreams encompassing credit policy, product testing, and valuations, taking ownership from concept through to execution
- They will work closely with cross-functional teams in product, technology, and finance to deliver innovative solutions that set Empower apart
- The right candidate thrives on tackling complex challenges and is proficient in utilizing a wide range of technical tools to achieve impactful outcomes
- Optimize Empower's cash advance product by refining credit policies and valuations frameworks
- Design and conduct broad tests to improve future business outcomes
- Collaborate with cross-functional teams including:
- Finance: to align work with the broader company strategy
- Product and Marketing: to enhance customer engagement with our product
- Operations and External Vendors: to ensure seamless execution of loss mitigation strategies
- Data Infrastructure: to maintain data quality for accurate analytics and reporting
- Drive the development of new product features and enhancements
- Develop automated systems to monitor and report on business performance
Application process
- Initial Recruiter Call: A conversation to learn about your experience and what you're looking for in your next role
- Hiring Manager Interview: A deeper discussion about your background and the Compliance Director opportunity
- Skills Panel: Meet with Empower team members to discuss your expertise and problem-solving approach
- Leadership Conversation: A final conversation with our CEO to discuss how you'll contribute to Empower's mission (and how we can help you achieve your career goals along the way)
Our take
An individual’s credit score greatly influences their life, affecting their ability to rent, receive loans, buy a house, and access affordable interest rates. But you have to have credit to build credit, leaving a lot of people in a catch-22 situation. Empower is a mobile-only app that makes credit more inclusive and accessible, helping customers achieve their credit health goals regardless of their credit history (or lack thereof).
Though other FinTech companies such as Mint or Personal Capital also offer impressive financial tracking for their customers, Empower’s comprehensive set of personal finance features including cash advance and automatic savings offerings make it a better choice for people who want to use a single app to manage their finances.
By empowering people to take control of their money through its range of financial services, Empower is working to break the cycle of paycheck-to-paycheck living. Backed by Blisce, Defy Ventures and Quiet Capital, the company has been significantly growing its revenue in recent years and was recognized in the 2022 Inc. 5000 list of the fastest-growing companies in the US.
Freddie
Company Specialist at Welcome to the Jungle
Insights
45% employee growth in 12 months
Trustpilot (1.9)
Company
Funding (last 2 of 3 rounds)
Sep 2022
$75m
LATE VC
Mar 2020
$20m
SERIES A
Total funding: $99.5m
Company benefits
- Generous equity package
- Full healthcare benefits
- Unlimited personal vacation
- Technology expense reimbursement
- Work from anywhere
Company HQ
Mission District, San Francisco, CA
Leadership
Warren Hogarth
(CEO)Previous Partner at Sequoia Capital and is an Early Investor/Company Builder for multiple companies.
Justin Ammerlaan
(CTO)Founder of Ammerlaan Initiatives and Co-Founder of White Room Trading. Previously worked as a Senior Software Engineer at SDM and a Technical Architect at Fujitsu.
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