About Caribou 

At Caribou, we’re on a mission to help drivers save money and take control of their car payments. Caribou does this by using technology to unlock low rates, and people to make the process easy and enjoyable. We offer a fully online application and a dedicated team to walk you through the process. We put Drivers in control.

In the last year alone, we grew revenue by 5x and raised a $50M Series B. We’re built by leaders from the technology, automotive, and finance industries, and we’re proud to be backed by a great team of venture capital investors, including QED Investors, Goldman Sachs, Moderne Ventures, Accomplice, Link Ventures, Motley Fool Ventures and others.

About the Role

We are looking for a Manager/Senior Analyst, Credit Acquisition to help Caribou accelerate loan growth by building new direct-to-consumer acquisition channels(majorly direct mail) and optimize existing credit marketplace channels (e.g.,Credit Karma). By leveraging credit model/data and machine learning models, this analyst will play a key role in Caribou’s analytics-based marketing strategy. As one of the first analysts in the newly-built credit team, you will report directly to the VP of Credit and work closely with colleagues in Marketing, Data Science, and Credit Risk. You will have opportunities to own strategy and analytics for multiple high volume marketing channels. The Manager/Senior Analyst, Credit Acquisition responsibilities include (but not limited to):

• Establish and optimize pre-screen direct mail campaign name selection rules and process
• Partner with data scientists on pre-screen response/approval/funding machine learning models development, evaluation, and implementation
• Optimize credit marketplace channels (e.g., CreditKarma) by leveraging price sensitivity testing, funnel conversion improvement, and increasing front-end vs back-end credit policy/model alignment
• Optimize channel economics and multi-channel strategy and attribution
• Contribute to end-to-end borrower acquisition process, balancing risk, profitability, and customer experience

This role can be based out of Caribou offices in Washington, DC; Denver, CO; Austin, TX. Alternatively, the Manager/Senior Analyst of Credit Acquisition can work remotely from a state where Caribou does business(we are very remote friendly!). However, this role will require attendance at occasional in-person team meetings. As a result, candidates must be fully vaccinated against COVID-19 to be eligible for this position.

About You

• 2-5 years of experience in credit strategy and analytics, either in risk or marketing
• Strong passion for transforming consumer lending industry
• Proficient in analytical scripting language such as Python, R, or SQL
• Strong quantitative, analytical and problem-solving skills
• Good business understanding of machine learning models
• Strong leadership and communication skills
• Intellectual curiosity and desire to challenge the status quo
• Demonstrated ability to work in a fast-paced, collaborative environment
• Bachelor's degree or higher level program in a quantitative field such as math, economics, engineering

Bonus points for

• Expertise in credit bureau data
• Experience in auto lending 
• Experience in direct mail

How we will take care of you

Everyone at Caribou is a valued team member, and we always strive to live up to our value Take Care of Each Other. Our compensation and benefits package includes: 

• Competitive base salary compensation: $120k-$150k 
• Equity in a high growth startup
• Fantastic health, dental, vision, and mental health insurance, and a generous PTO plan
• Company-paid for short & long term disability insurance and basic life insurance 
• Optional benefits include HSAs, FSAs, voluntary life insurance, and pet insurance.

Our Core Values

We come from all walks of life and are joined together by our shared values, which guide our work. This helps us improve life for our customers, our communities and our team members.

• See people as people
• Take care of each other
• Commit to the mission
• Move quickly and bravely
• Get better every day
• Seek truth

Caribou is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, sexual orientation, pregnancy status, marital status, military or protected veteran status, genetics, or any other characteristic protected by law. This position is not restricted solely to the responsibilities listed above, and the scope and responsibilities are subject to change. A pre-employment background check is required as a condition of employment.