Principal Business Analyst, Portfolio Management

Mission Lane is a purpose-driven fintech company using data, technology, and exceptional service to help millions of people achieve financial progress. The Principal Business Analyst will lead analytics, modeling, reporting, and recommendations for portfolio management programs, developing customer engagement, underwriting, pricing, and risk management strategies. The role also collaborates with cross-functional teams to test strategies, improve profitability and growth, and communicate recommendations to senior leadership.

Responsibilities:

• Take the lead in initiatives to improve our underwriting & pricing strategies
• Have the opportunity to use AI driven tools for data analysis
• Optimize current acquisition strategies in response to customer behavior and changing marketplace conditions
• Develop actionable financial strategies based on financial data-driven insights to improve credit risk and profitability while driving step changes in the company’s growth trajectory
• Seed tests in market to better understand customer behavior and leverage learnings to invest in future growth
• Collaborate with cross functional teams across product, data science, engineering and capital markets to bring strategies to market
• Articulate and communicate strategies to senior leadership

Requirements:

• Proven ability to problem solve end-to-end: from framing the question and forming a hypothesis, to analyzing the data, to communicating and debating the answer with other stakeholders
• Familiarity with SQL, python, or other tools for data analysis
• 2 - 7 years of experience (YOE) in a highly analytical role. Our team dynamics commonly align 2 - 5 YOE for Principal Analyst level and 4 - 7 YOE for the Business Manager opportunity
• Bachelor's or Masters in Economics, Finance, Engineering, Mathematics, or similar quantitative field with record of strong academic performance
• Experience doing analytical work with credit cards or other consumer lending products
• Experience helping scale a business in a fast-paced startup environment
• Expertise in SQL or Python
• Experience using AI coding assistants (Claude Code, Codex, Gemini CLI, Cursor, etc.)