Senior Business Analyst

Harnham; Tempe (AZ); On-site; USD 104,000 - 127,000; Full time

Job summary

Harnham is seeking an experienced analyst who can turn data into strategic business decisions in a credit risk context. You will influence risk, pricing, and policy, partnering with senior leaders to drive measurable improvements in approval rates and occupancy.

The role emphasizes independent problem-solving, analytical rigor, and clear communication of insights to executives while operating across Risk, Product, Operations and Revenue teams. This is a high-impact, analytical leadership track.

Qualifications

• 5+ years of experience in business analysis, credit risk, financial analysis, risk strategy, or a related analytical discipline.
• Experience within financial services, consumer lending, or another credit-focused environment.
• Backgrounds may include auto finance, mortgage lending, consumer finance, personal loans, credit cards, collections, recoveries, or fraud strategy.
• Experience evaluating credit policies, pricing strategies, risk performance, or model effectiveness.
• Track record of independently solving business problems and translating findings into actionable recommendations.
• Experience communicating analytical findings to senior leadership and cross-functional stakeholders.

Responsibilities

• Shape Credit & Risk Strategy: Analyze credit risk, resident screening, and performance data to identify opportunities to improve approval rates, maximize occupancy, and reduce credit losses.
• Challenge Existing Decisions: Evaluate credit policies, risk strategies, and decision-making processes to identify inefficiencies and improve risk/reward outcomes.
• Identify Emerging Risks: Investigate fraud trends, uncover patterns in the data, and recommend process improvements to strengthen risk mitigation.
• Solve Ambiguous Problems: Independently develop hypotheses, structure complex business questions, and use data to validate opportunities and potential solutions.
• Influence Leadership: Translate complex analytical findings into clear business recommendations and present insights to executive-level stakeholders.
• Drive Recommendations Through Execution: Own initiatives from initial analysis through implementation, tracking outcomes and monitoring performance to ensure decisions deliver the intended impact.
• Partner Across the Business: Collaborate with Risk, Product, Operations, and Revenue teams, contributing to broader strategic initiatives beyond your immediate function.

Skills

SQL proficiency

Excel

Python

Analytical methods

Job description

Turn Data Into Decisions That Move the Business Forward.

Some analysts report on what happened. Others figure out why it happened, what should change, and how to make the business better.

We're looking for someone who operates in the second category.

This is an opportunity to join a growing business in a highly analytical, commercially focused role where your work will directly influence credit risk strategy, customer approval decisions, occupancy, and overall business performance.

You'll work at the intersection of analytics, credit risk, and business strategy, partnering with senior leaders to evaluate decisions, challenge existing approaches, and identify opportunities to improve how the business operates. This isn't a reporting-only position. You'll have the autonomy to investigate complex problems, develop recommendations, and see those recommendations through to implementation.

The Work: Where Analysis Meets Business Strategy

You'll serve as an internal strategic partner to the business, using data to influence decisions and deliver measurable results.

Your responsibilities will include:

• Shape Credit & Risk Strategy: Analyze credit risk, resident screening, and performance data to identify opportunities to improve approval rates, maximize occupancy, and reduce credit losses.
• Challenge Existing Decisions: Evaluate credit policies, risk strategies, and decision-making processes to identify inefficiencies and improve risk/reward outcomes.
• Identify Emerging Risks: Investigate fraud trends, uncover patterns in the data, and recommend process improvements to strengthen risk mitigation.
• Solve Ambiguous Problems: Independently develop hypotheses, structure complex business questions, and use data to validate opportunities and potential solutions.
• Influence Leadership: Translate complex analytical findings into clear business recommendations and present insights to executive-level stakeholders.
• Drive Recommendations Through Execution: Own initiatives from initial analysis through implementation, tracking outcomes and monitoring performance to ensure decisions deliver the intended impact.
• Partner Across the Business: Collaborate with Risk, Product, Operations, and Revenue teams, contributing to broader strategic initiatives beyond your immediate function.

What Makes Someone Successful Here?

We're interested in someone who combines strong analytical capabilities with commercial judgment and the confidence to influence business decisions.

Your background:

• 5+ years of experience in business analysis, credit risk, financial analysis, risk strategy, or a related analytical discipline.
• Experience within financial services, consumer lending, or another credit-focused environment.
• Relevant backgrounds may include auto finance, mortgage lending, consumer finance, personal loans, credit cards, collections, recoveries, or fraud strategy.
• Experience evaluating credit policies, pricing strategies, risk performance, or model effectiveness.
• A track record of independently solving business problems and translating findings into actionable recommendations.
• Experience communicating analytical findings to senior leadership and cross-functional stakeholders.

Consulting experience is a plus, particularly if you've worked through ambiguous business challenges and developed recommendations that influenced commercial outcomes.

Your technical toolkit:

• SQL: Strong proficiency writing complex queries, extracting data, and independently investigating large datasets.
• Excel: Advanced working knowledge, including pivot tables, lookups, and analyzing large volumes of data.
• Python: Practical experience using Python for data manipulation, working with data frames, and applying basic statistical functions.
• Analytical Methods: Exposure to statistical analysis, regression, hypothesis testing, and model performance monitoring is beneficial.

You don't need to be a software engineer or advanced programmer. We're looking for someone who knows how to use analytical tools to answer meaningful business questions.

The Environment

• Work alongside leaders across Risk, Product, Operations, and Revenue.
• Have direct exposure to executive-level decision-making.
• Own analytical initiatives with visibility into their business impact.
• Influence decisions that affect both financial performance and operational outcomes.
• Operate with autonomy in an environment that values independent thinking and practical problem-solving.

Compensation & Work Arrangement

• Compensation: Up to $115,000 base salary.
• Location: Tempe, Arizona.

Work Authorization

Candidates must be authorized to work in the United States on a permanent basis both now and in the future.

Employer sponsorship is not available for this position. Eligibility is limited to individuals who possess unrestricted and permanent authorization to work in the United States without requiring visa sponsorship, immigration sponsorship, petition support, work authorization extensions, status transfers, or any form of employer-sponsored immigration assistance during employment.

Applicants must not require sponsorship now, within the next several years, or at any point during future employment. Eligibility is limited to candidates whose authorization to work in the United States is permanent and does not depend upon future sponsorship, immigration sponsorship, petition support, work authorization extensions, status transfers, or any form of employer-sponsored immigration assistance during employment.

Situations that typically fall into this category include F-1 OPT, STEM OPT, CPT, H-1B, TN, E-3, O-1, J-1, and other employment-based visa classifications that require present or future employer sponsorship, extension support, renewal support, status transfer support, or immigration assistance. Candidates who anticipate requiring sponsorship in one year, three years, five years, or at any future point during employment will not meet the requirements of this position.

U.S. Citizens and U.S. Permanent Residents (Green Card holders) are encouraged to apply.

The Bottom Line

If you're the type of analyst who wants to do more than pull numbers, build reports, and explain what happened, this role offers the opportunity to influence what happens next.

We're looking for someone who can connect the data to the business, make a compelling case for change, and take ownership of the results.