Remote Fintech Analytics Lead – Lending & Growth

Modernize Home Services; United States; Remote; USD 80,000 - 120,000; Full time

Benefits offered by this job

Equity (RSUs)

Health care benefits

Retirement benefits

Paid time off

Job summary

Modernize is seeking an experienced Business Analyst to optimize our consumer-financing marketplace. You will translate lender performance, contractor demand, and consumer credit data into actionable decisions across cross-functional teams.

The role requires 4+ years in fintech or financial services, advanced SQL, and proficiency in BI-tools. You will diagnose issues, propose solutions, and drive results in a fast-paced startup environment.

Qualifications

• 4+ years of experience in financial services, fintech, consumer lending, marketplace analytics, business analytics, or strategy.
• Experience with consumer‑credit or lending products, preferably in home improvement, point‑of‑sale financing, unsecured lending, or embedded finance.
• Strong knowledge of credit segmentation, FICO bands, underwriting criteria, lender economics, and lending‑funnel metrics.
• Demonstrated ability to identify trends, anomalies, risks, and early warning indicators in complex data.
• Advanced SQL and Excel or Google Sheets skills.
• Experience with Tableau, Power BI, Looker, or a similar platform.
• Strong financial modeling, forecasting, and scenario‑analysis skills.
• Excellent written, verbal, and executive communication skills.
• Ability to influence cross‑functional decisions without direct authority.
• Strong ownership, urgency, judgment, and attention to detail.
• Experience with a multi‑lender marketplace or lender‑routing platform.
• Familiarity with home‑improvement financing and contractor distribution.
• Experience evaluating lender underwriting boxes and coverage gaps.
• Understanding of fair lending, compliance, fraud indicators, and data governance.
• Experience supporting lender negotiations or credit‑product expansion.
• Familiarity with statistical analysis, experimentation, or predictive modeling.

Responsibilities

• Evaluate lender coverage across FICO bands, loan amounts, states, trades, contractor segments, interest rates, terms, and product types.
• Identify contractor and consumer demand not adequately served by the lender network.
• Quantify the application, approval, funded‑loan, and revenue opportunity associated with closing coverage gaps.
• Recommend lender capabilities, products, or underwriting criteria to add or expand.
• Develop lender scorecards covering volume, approval rates, funded rates, pull‑through, loan size, speed, reliability, economics, and contractor experience.
• Determine whether prospective lenders provide incremental coverage or duplicate existing capabilities.
• Support lender reviews, commercial discussions, and partner prioritization with data‑backed recommendations.
• Identify emerging risks across lender performance, contractor behavior, credit mix, consumer demand, operational service levels, fraud, compliance, and concentration.
• Detect changes in lender appetite, underwriting, approval rates, product availability, geographic coverage, or funding behavior.
• Partner with functional leaders to develop mitigation plans and track corrective actions.
• Determine which improvements would increase contractor adoption, application volume, funded volume, and retention.
• Partner with Sales and Account Management to identify opportunities and increase financing utilization.
• Monitor the financing funnel from contractor onboarding and application submission through approval, documentation, funding, and repeat usage.
• Identify funnel leakage, bottlenecks, performance anomalies, and root causes.
• Evaluate new lenders, products, pricing changes, partnerships, and strategic investments.
• Support planning, target setting, and performance management.
• Track performance against targets and explain key variances.
• Partner with Product, Engineering, Sales, Account Management, Operations, Finance, Compliance, leadership, and external lenders.

Skills

Advanced SQL

Excel/Google Sheets

Tableau/Power BI/Looker

Financial modeling

Executive communication

Cross-functional collaboration

Credit risk analytics

Lending marketplace analytics

Data governance understanding

Tools

Tableau

Power BI

Looker

Job description

Modernize is seeking an experienced Business Analyst to optimize our consumer-financing marketplace. You will translate lender performance, contractor demand, and consumer credit data into actionable decisions across cross-functional teams.

The role requires 4+ years in fintech or financial services, advanced SQL, and proficiency in BI-tools. You will diagnose issues, propose solutions, and drive results in a fast-paced startup environment.