Compensation: $90,000 – $140,000 (depending on experience level) + bonus

What is Reach Financial?

Reach Financial is a FinTech platform helping people outsmart debt for good.

We are building innovative products and best-in-class support that enable our customers to take control of their debt and de-mystify their personal finances. Our products and tools empower our customers to turn their financial goals into a reality.

Reach Financial launched in 2015 and has helped our customers pay off over $1 billion in debt. We offer debt consolidation loans and personal loans; together, these markets represent a $1.5T opportunity. In time, we will expand beyond these products to offer solutions for a variety of our customers' personal finance challenges.

We are a fast-growing and fast-paced FinTech startup with the stability of an established firm. You will have a front-row seat at a rapidly growing company innovating the FinTech industry.

About the Department:

Reach Financial’s Risk and Decision Science team consists of a group of Data Scientists, Data Engineers, Analytics Professionals covering all the business units and Business Intelligence Analysts. We are passionate about data and cutting-edge technology. Our goal is to leverage the data to drive the business growth agenda. The Risk and Decision Science team works cross functionally with other business units to ideate, hypothesize, analyze and test, formalize, implement, maintain, and track progresses for all initiatives.

What You’ll Do:

• Utilize statistical and segmentation tools to develop acquisition risk strategies for personal loan products.
• Retrieve data and conduct data driven analytics utilizing various analytical tools, software and techniques.
• Conduct NPV analysis and forecast loss curve for consumer lending product.
• Track and analyze performance of various tests and acquisition programs to evaluate their effectiveness.
• Create Monthly management report tracking key risk matrix.
• Partner with cross functional teams to drive implementation of approved recommendations.
• Present the analyses, findings and recommendations to stakeholders across the organization.

What You Should Have:

• BS or MS in Economics, Mathematics, Statistics, Econometrics, Operation Research, Industrial Engineering, Finance or other quantitative related fields.
• 3+ years’ work experience with an analytical role in consumer finance industry.
• Understand key drivers of consumer loan/credit card financials and the underlying consumer behaviors that drive those financials.
• Good business acumen and the ability to connect analytical insights with business decisions.
• Python/SAS/SQL/R and/or Data Files & Data manipulation – experience in working with data and data manipulation tools.
• Knowledge of segmentations tools like SAS E-miner/ Knowledge Seeker.
• Fraud Analytics Experience is a plus.

What is it like working at Reach Financial?

Our culture is built around advancing our teams, and we are dedicated to the success and growth of every team member. We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning. Our generous benefits packages reflect that.

We’ve been hard at work perfecting our product for years, and now we’re growing faster than ever before. Our strong foundation and company culture is readily equipped for this growth, and we believe that with the right people, our products will continue to help customers make real changes in their financial lives.

What benefits will you receive?

• Remote First Culture with optional Hybrid opportunities
• Healthcare, Life Insurance, 401k Match
• Paid Time Off, Paid 12-week Parental Leave
• Disability (short-term, long-term), Employee Assistance Program
• Spending Accounts (Transit/Parking, Medical, Dependent Care)
• Insurance Discounts (home, auto, pet)

Reach Financial is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Reach Financial makes hiring decisions based solely on qualifications, merit, and business needs at the time.