[Hiring] Sr. Analyst Flow Lending @Merrick Bank

Role Description

Join our team - and take the next step in achieving a fulfilling career!

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Essential Functions

• Leads deal analytics, performance reporting, and cross-functional project initiatives.
• Builds and owns financial models to measure unit economics and deal-level returns, monitoring to stay on top of performance trends.
• Defines segmentation specific to each Flow Lending partner to drive deeper understanding of profitability dynamics and feeding insights back into the strategy.
• Monitors and analyzes performance trends, identifying areas for improvement and providing actionable insights that support strategic decision-making.
• Works closely with finance, strategy, compliance, and senior management to align analytical efforts with business objectives and strategic goals.
• Evaluates new Flow Lending opportunities as they arise, analyzing loan tapes, understanding the partner’s strengths and weaknesses, and forming a point of view on the potential for the partnership.
• Engages with Flow Lending partners to drive actions that lead to better outcomes for both sides of the partnership.
• Analyzes credit policies such as approve/decline criteria, loan amounts, and pricing.

Compliance with Laws and Regulations

• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Additional Responsibilities

• Perform other duties as assigned by senior management.
• Maintain ethical standards, judgment, and confidentiality in all matters.

Qualifications

• Bachelor's degree in a quantitative field (e.g., Business, Economics, Finance, Statistics, Engineering, Math, or Sciences) is required.
• Three (3) years of experience using data-driven analysis to inform business or product strategy.

Summary of Qualifications

• Strong communication skills.
• Proficiency with SQL or a scripting language (e.g., Python, R).
• Comfort working hands-on with large analytical datasets to perform complex analyses.
• Proficiency with Microsoft Office tools such as Excel and PowerPoint.
• Proven ability to work within cross-functional teams.
• Previous experience in consumer financial services or fintech industries, particularly with lending products.
• Experience with credit policy and/or pricing strategies.
• Ability to work through unconventional problems to identify issues and provide resolutions.
• Strong business acumen and strategic thinking abilities, with a focus on driving results and optimizing performance.

Benefits

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program.
• Benefits Package - Medical, Dental, and Vision (plus much more).
• 401(k) Plan with Company Match.
• Short- & Long-Term Disability.
• Wellness Programs.
• Group Life and AD&D Insurance.
• Paid Vacation, Sick Days, and bank Holidays.
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition.