Senior Analyst

Harnham; Miami (FL); Hybrid; USD 100,000 - 150,000; Full time

Job summary

Harnham partners with a profitable fintech lender in Miami seeking a Senior Analyst or Data Scientist to become the internal expert for transactional/open banking data and drive projects across credit risk, marketing and pricing.

You will collaborate with senior leadership on questions about merchant approvals, portfolio signals, pricing and growth opportunities, leveraging 2+ years with Plaid/open banking and strong SQL/Python.

Qualifications

• 2+ years working with Plaid, open banking or transactional banking data.
• Strong SQL and Python.
• Experience building features from transaction-level data.
• Analytics experience in lending, fintech, credit, risk or related sectors.

Responsibilities

• Drive projects spanning credit risk, marketing and pricing.
• Partner with senior leadership to answer key business questions.
• Lead marketing and pre-approved offers initiatives.
• Support portfolio monitoring and early warning systems.
• Build AI-enabled analytical workflows.

Skills

SQL

Python

Job description

Senior Analyst - Cashflow Data Scientist

Miami (Hybrid)

I'm partnered with a profitable fintech lender that has built one of the most extensive SMB cash flow datasets in its market.

They've invested heavily in connected-account data and now sit on millions of bank transactions across funded merchants, declined applicants and broader prospect populations. The challenge? They're only scratching the surface of what's possible.

They're looking for a Senior Analyst or Data Scientist to become the internal expert for transactional/open banking data and drive projects spanning credit risk, marketing and pricing:

• Marketing and Pre-Approved Offers
• Portfolio monitoring & early warning systems
• Growth analytics
• Proactive renewals and Credit Line Increase
• AI-enabled analytical workflows

This isn't a reporting role. You'll partner directly with senior leadership to answer questions such as:

• Which merchants should we be approving or approving faster?
• Which portfolio segments are deteriorating before losses emerge?
• Where are we mispriced?
• What signals can drive growth that competitors are missing?

What we're looking for:

2+ years working with Plaid, open banking or transactional banking data

Strong SQL and Python

Experience building features from transaction-level data

Analytics experience within lending, fintech, credit, risk or adjacent sectors

Ability to translate analysis into commercial decisions

Nice to have:

• Small business lending
• Credit analytics
• AI/LLM tooling experience

The hiring manager is specifically interested in people who have used transactional data creatively, not just for risk, but also for growth, sales enablement and customer intelligence.