Principal Business Analyst, Portfolio Management
The Principal Business Analyst will own analytics, modeling, reporting, and recommendations for our Portfolio Management programs. This role designs the strategies behind customer engagement and risk management, including upgrades and multicard, that best serve our customers and our business.
The Impact You’ll Make in this Role:
In your first year, you'll sharpen the underwriting behind our multicard offers, and turn rewards upgrades and purchase incentives into tested strategies that move real engagement numbers.
Design or refine the underwriting and pricing behind our multicard, line-extending strategy
Turn rewards upgrades and purchase incentives into tested strategies for re-engaging low-usage customers
Partner with risk, data science, and engineering to bring your strategies to market
As a Business Analyst, you will:
You have analytical experience with a line-extending strategy, like credit limit increases, multicard, or another underwriting-heavy product
You get curious about a new AI tool and actually dig in, instead of waiting for someone to hand you a tutorial
You can work through other people to get things done. This role has a broader mandate than pure analytics.
You have the business judgment to notice when a model's answer doesn't match reality, and the instinct to ask why
Qualifications
2-5 years of experience in a highly analytical role, ideally in credit, lending, or another line-extension strategy
Proven ability to problem solve end to end: from framing a hypothesis, to analyzing the data, to defending a recommendation with stakeholders
Familiarity with SQL and Python for data analysis; Tableau is a plus, not a requirement
Bachelor's or Master's in Economics, Finance, Engineering, Mathematics, Statistics, or a similar quantitative field with a strong academic record
Preferred Qualifications
Experience with credit cards or other consumer lending products, especially underwriting or portfolio management
Experience building or maintaining risk models used to make account-level decisions at scale
Experience with rewards, loyalty, or engagement programs
Demonstrated expertise in SQL or Python
Experience using AI coding assistants (Claude Code, Codex, Gemini CLI, Cursor, etc.)
Compensation: USD
Target starting base salary range for Principal Analyst: $118,000 - $135,000
We’re seeking a data-driven problem solver with sharp analytical skills and a strong customer focus to join our Acquisitions team as a Business Analyst.
The Impact You’ll Make in this Role:
At Mission Lane, our analysts work on initiatives that touch all facets of the business and have the opportunity to work on different teams within the organization as their careers develop. The Credit Team is responsible for matching prospective customers with the right product terms, owning the underwriting process throughout the lifetime of the customer, understanding lifetime value, and creating pathways to customer graduation all while staying true to our mission.
As a Business Analyst, you will:
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
Qualifications
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
Preferred Qualifications
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.)
Compensation: USD
Target starting base salary range for Principal Analyst: $118,000 - $135,000
Target starting base salary range for Business Analyst Manager (IC): $142,000 - $157,000