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The Petal Mission
Petal’s mission is to expand access to opportunity, by making responsible, modern financial services available to everyone. Founded in 2016, Petal provides technology-enabled credit cards to consumers who are historically underserved by mainstream providers.
Petal pioneered automated cash flow underwriting, a transformative new approach to assessing consumer creditworthiness with the potential to expand access to tens of millions of U.S. consumers without credit history, or for whom traditional credit scores do not tell the whole story. Petal pairs this groundbreaking, data-driven underwriting technology with a mobile-first, digitally native product experience designed to help users manage and build credit responsibly. For Petal, it’s a mission as much as it is a business—with a goal to reimagine finance for the next generation of consumers.
At Petal, we're looking for people with kindness, positivity, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and potential will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Petal, we welcome diverse perspectives from people who think rigorously and aren't afraid to challenge assumptions.
The Analyst role
We are looking for a strong data-driven risk analyst who is excited by working in a fast-paced dynamic environment across key business stakeholders. You will use data to solve critical business problems and to help the company make the right decisions. You can expect to be embedded within our Risk team (constituted of product managers, engineers, credit risk analysts, fraud analysts, and data scientists) and will report to the Director of Analytics (in a team of 8 analysts who are all embedded within different teams). This is a key role that will help us grow faster while ensuring that we always track and understand risk associated with all our initiatives.
Key responsibilities:
- Work closely with our Credit Risk, Fraud, Product and Engineering teams to ensure timely, accurate and precise insights and reporting on key risk and underwriting initiatives.
- Build data models (dbt) and dashboards (Looker) to surface key delinquency and risk metrics, and investigate any change in performance.
- Dig into the impact of macro-trends on portfolio performance.
- Communicate with cross-functional stakeholders to research and collect data to answer long-term strategic questions (including new data sources)
- Develop analysis to drive data-informed decisions and roadmap
- Work towards creating a metrics-driven and data-informed culture at Petal
Characteristics of successful candidate:
- 2-4 years of experience in Analytics or another quantitative role
- Experience working for a bank, fintech or insurance company is a must
- Experience working as a risk analyst, fraud analyst, credit analyst or portfolio analyst is strongly preferred
- Highly fluent in SQL and a statistical programming language (R/Python)
- Strong knowledge of statistics including A/B, multivariate testing and Bayesian statistics is a must
- Strong attention to detail and high standards for the quality of deliverables
- Ability to work collaboratively on cross-functional projects between several different teams
- Excellent verbal and written communication skills to clearly articulate the insights from findings to management and relevant stakeholders
- Resourceful and diligent in research, with an ability to identify what needs to be done and how to make it happen
- Insatiable intellectual curiosity, and enjoys sleuthing through data
We are an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion. We’re proud to be different, together.
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This job is no longer open