Senior Lead Analyst (Pricing & Conversion)

Remote Jobs; Brasil; Teletrabalho; BRL 875.000 - 956.000; Tempo integral

Resumo da oferta

A leading consumer finance company in Brazil is seeking a Senior Lead Analyst to drive the conversion and pricing strategy. The candidate will enhance application processes, implement credit strategies using data, and collaborate with various teams to ensure optimal performance. Candidates should have over 5 years of experience in credit risk management and be proficient in Python and SQL. This remote position offers generous benefits including medical insurance and flexible PTO.

Serviços

Generous medical, dental, and vision insurance options

Eligible for Annual Bonus

401k Plan with matching contribution

Flexible PTO

Monthly Health and Wellness Days

12 Weeks Paid Parental Leave

Company-paid short & long term disability and life insurance

Monthly tech stipend for remote work

Qualificações

• 5+ years of experience managing credit risk strategies.
• Strong proficiency with Python & SQL and ability to analyze large datasets.
• Experience with credit orchestration and decisioning tools preferred.

Responsabilidades

• Optimize conversion rate by streamlining origination process.
• Develop and implement credit strategies leveraging data and analytics.
• Monitor portfolio performance and identify trends.

Conhecimentos

Credit risk strategies

Python

SQL

Analytical skills

Problem-solving skills

Formação académica

Bachelor's or Master's degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics

Ferramentas

Analytics tools

Credit orchestration/decisioning tools

Descrição da oferta de emprego

ABOUT HAPPY MONEY

Happy Money is a leading consumer finance company dedicated to helping people achieve their goals through responsible lending. Through its fully-digital platform, Happy Money partners with credit unions, banks and asset managers to originate high-quality credit solutions, diversify their portfolios and expand their impact and reach nationwide.

Backed by investors like TruStage Ventures, Happy Money enables financial institutions to grow as a force for good in their communities while helping people use money as a tool for their happiness. Together with their community-focused capital partner network, Happy Money has originated over $6 billion in loans representing more than 300,000 members who have taken greater control of their financial futures. Learn more at happymoney.com.

ABOUT THE ROLE

As a Senior Lead Analyst in the Pricing & Conversion team at Happy Money, you will be responsible for developing, analyzing, and optimizing our application conversion and pricing strategy. Sitting within the Risk and Analytics team, you will own analytics and strategy changes, periodic reporting, and initiatives that enhance our funnel conversion and optimize leads.

You will work cross-functionally with Credit Operations, Product, and Engineering to drive proactive, data-driven strategies that support responsible growth for Happy Money and our lending partners.

RESPONSIBILITIES

Conversion:

• Optimize our conversion rate by continuously streamlining our origination process and improving user experience.
• Lead efforts to improve automation opportunities while balancing risk and customer experience.
• Manage and optimize existing strategies effectively by designing A/B tests to understand the right risk-return balance.
• Identify and evaluate new vendors / data sources and create business cases and present them to senior management.
• Conduct ad-hoc analysis related to risk management, product, and operations.

Pricing:

• Develop and implement credit strategies leveraging data, machine learning models and advanced analytics tools to mitigate losses and maintain excellent customer experience.
• Continue to innovate by testing new data, analytical approaches and models.
• Monitor and analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers.
• Communicate findings and recommendations to the Risk Management and broader Happy Money community in a clear and concise manner.

ABOUT YOU

• 5+ years of experience managing credit risk strategies.
• Bachelor's or Master's degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics.
• Strong proficiency with Python & SQL and the ability to analyze large, complex datasets and derive actionable insights.
• Strong analytical and problem-solving skills coupled with deep experience working in Originations strategies and/or processes.
• Experience with credit orchestration and decisioning tools (e.g., Oscilar, LoanPro, Strata, Zoot, ACAPS) preferred.

BENEFITS & PERKS

• Generous medical, dental, and vision insurance options
• Eligible for Annual Bonus
• 401k Plan with a matching contribution
• Flexible PTO
• Monthly Health and Wellness Days
• 12 Weeks Paid Parental Leave
• Company-paid short & long term disability and life insurance
• Monthly tech stipend to help cover expenses for remote work
• Happy Money is a 100% fully distributed workforce

Base Salary Range

$165,000-$180,000 USD