Senior Business Analyst - Credit

Above Lending is a next-generation financial services company. We provide simple and transparent products aimed at helping our clients achieve their personal finance goals. With competitive rates and personalized support, our mission is to simplify the lending process and help borrowers attain financial well-being. We are committed to making credit more affordable and accessible.
We’re looking for a strategic and driven Senior Business Analyst to join our growing team. This individual will sit at the intersection of credit strategy and business analytics, supporting both functions with a focus on analyzing performance across the client lifecycle from originations to loan performance. The ideal candidate will have strong analytical skills, an understanding of credit risk, and a passion for uncovering insights that drive business decisions.
You’ll play a critical role in identifying opportunities to improve origination outcomes, credit performance, and the overall lending strategy.

What You'll Do

• Analyze credit and originations performance, surfacing trends and measuring the impact of business initiatives on risk, funnel efficiency, and customer acquisition.
• Build analytics that track progress towards company KPIs and drivers of performance that are critical to achieving originations and credit goals. Partner with Product, Operations, and Data teams to validate releases, streamline underwriting processes, and ensure credit policies align with business objectives.
• Collaborate with model development teams to support deployment, monitoring, and backtesting of credit and underwriting models.
• Monitor dashboards and performance tracking tools to guide strategic decisions and support cross-functional partners.
• Identify and investigate early warning signs of credit deterioration or operational inefficiencies.
• Present findings and recommendations to non-technical stakeholders, including Senior Leadership, to influence decision-making.

What You'll Bring

• Bachelor's or Master’s degree in Finance, Economics, Statistics, Business, Engineering, or a related analytical field.3–7 years of experience in business analytics, credit risk, or strategy; preferably within consumer lending, fintech, or startup environments.
• Strong SQL skills required; proficiency in Excel, and experience with data visualization tools (Tableau) preferred.
• Working knowledge of Python or R is a plus.
• Familiarity with credit reports, credit scoring models, and consumer loan performance metrics. Ability to interpret complex data and communicate insights clearly to cross-functional partners.
• Detail-oriented with excellent organizational skills and the ability to manage multiple projects in a fast-paced environment.
• A proactive mindset and desire to dig into both strategic and tactical challenges to drive measurable impact.

What We Offer

• Considerable employer contributions for health, dental and vision programs  
• Flexible time-off policy
• 401(K) match with immediate 100% vesting
• Merit advancement opportunities 
• Monthly Work From Home Stipend

Join our dynamic team and contribute to Above Lending’s success as we continue to provide innovative lending solutions to our customers.
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*Above Lending is an equal opportunity Employer*Above Lending does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job positions.  No fee will be paid to their parties who submit unsolicited candidates directly to Above Lending employees or the Above Lending Finance and HR teams.  No placement fee will be paid to any third party unless such a request has been made by the Above Lending HR team.