JOB TITLE: Sr. Business Analyst, Credit Card
LOCATION: Remote, US
REPORTS TO: Director, Card Growth and Risk Management
The Company:
Sunbit builds financial technology for real life. Our technology eases the stress of paying for life’s expenses by giving people more options on how and when they pay. Founded in 2016, Sunbit offers a next-generation, no-fee credit card that can be managed through a powerful mobile app, as well as a point-of-sale payment option available at more than 25,000 service locations, including 1 in 2 auto dealerships, optical practices, dentist offices, veterinary clinics, and specialty healthcare services. By introducing a flexible way to pay over time, we are proud of our ability to lift up service providers and retailers while helping consumers when necessary expenses arise... regardless of whether they were expected or unexpected.
Sunbit was included on the 2022 and 2023 Inc. 5000 list. The financial technology company has also been named as a Most Loved Workplace®, Best Point of Sale Company, and as a Top Fintech Startup by CB Insights.
We use cutting-edge innovations in financial technology to bring leading data and features that allow individuals to be qualified instantly, making purchases at the point-of-sale fast, fair and easy for consumers from all walks of life. We create value focused on our core values; we work tirelessly to ensure that Sunbit becomes available to everyone, everywhere.
Sunbit is proud to be recognized on the CB Insights List of Unicorn Companies, with a valuation of $1.1B. (https://www.cbinsights.com/research-unicorn-companies)
The Role:
We are looking for a world-class Sr. Business Analyst for a role on our direct-to-consumer team supporting Sunbit’s Credit Card business.
This is an opportunity for a collaborative, analytical, and data-driven individual to support a rapidly growing product, key performance verticals, and the company P&L by leading projects and working across the organization to effectively drive growth, scale, efficiency, and an outstanding customer experience.
Our team has a broad mandate and is well-resourced while small enough that each individual has true responsibility and makes a meaningful impact.
Requirements
What You'll Own:
- Conduct business and financial analysis to evaluate performance, determine strategy and prioritize opportunities, and drive successful execution
- Partner cross-functionally with operations, tech, analytics, marketing, and legal teams, to determine requirements and priorities
- Coordinate and manage projects to successful delivery, on time
- Determining appropriate credit limits and terms for credit card applicants
- Monitoring portfolio performance and identifying trends
- Recommending strategies to mitigate credit risk and optimize profitability
- Research and identify new opportunities to grow, expand, and improve Sunbit’s products
What You Bring to the Table:
- 2-4 year of relevant professional experience, preferably in Credit Card, Loans or other financial services (fintech/fast-growing consumer startup a plus!)
- Strong quantitative/analytical skills with the ability to synthesize data into meaningful insights that drive successful business outcomes
- Proficiency in Microsoft Excel and SQL with experience analyzing and deriving conclusions from large data sets
- Knowledge in Tableau, Python, R or SAS
- Proficient in forecasting models like time series forecasting
- Strong verbal, written communication, and presentation skills
- Intelligent, go-getter, ambitious, self-motivated, and hungry for success
- Experience cultivating credibility by building strong, collaborative relationships with internal/external business partners and peers
- Organized and able to manage ambiguity and complexity
- Ability to work independently and at multiple levels
The Perks:
- Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024), #161 on Deloitte Technology Fast 500 list
- Mission driven + empowered + collaborative
- Competitive pay and stock options
- Unlimited PTO
- Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Maternity Leave
- Newly added HSA and Pet Insurance
- 401K Plan with Matching
- Cell Phone Stipend
- Team based strategic planning + Team owned deliverables
Cultural Competencies for Success at Sunbit:
- Serve others before self - Prioritize the needs of merchants, clients, and team members to drive successful outcomes.
- Own the impact - Take responsibility for project performance, delivering on time and fostering strong relationships across teams
- Connect genuinely - Build authentic relationships internally and externally, acting as a proud Sunbit ambassador.
- Act fast - Respond quickly to changes and collaborate effectively to address challenges and opportunities.
- Include always - Embrace collaboration, welcoming others while managing complexity and driving team success.
- Innovate for good - Continuously seek ways to enhance Sunbit’s products, driving innovation for the benefit of our business and customers.
Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.
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Sunbit Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Sunbit and has not been reviewed or approved by Sunbit.
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Healthcare Strength — Feedback suggests the benefits package includes broad medical, dental, and vision coverage alongside related supports like life insurance and spending accounts. The overall offering is often described as solid by US tech/fintech norms, even when details vary by role.
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Retirement Support — Feedback suggests a 401(k) with company matching is part of the rewards package. This is positioned as a core, consistent element of the overall benefits offering.
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Leave & Time Off Breadth — Feedback suggests time-off benefits can be generous in some roles, including listings of unlimited PTO and paid holidays. At the same time, certain postings indicate a more traditional fixed PTO structure, implying variability by role type.
Sunbit Insights
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What We Do
Sunbit is the preferred buy now, pay later technology of service providers and retailers fulfilling the needs of thousands of local communities. Sunbit eases the stress of buying everyday things by offering access to fast, fair and transparent payment options to people across the credit spectrum. Sunbit technology is offered in-store and online through more than 7,300 locations, including 1 in 4 auto dealership service centers, optical practices, dentist offices and specialty health care services. Payment options through Sunbit can be found at these establishments www.sunbit.com/shop-directory Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.
Why Work With Us
Sunbit technology is used to reduce the stress from daily purchases by helping shoppers realize the full potential of their buying power while providing local businesses with tools to sell easier. With experts in machine learning, retail, and financial services, we’re trailblazing new technology that helps lenders open the door to fair financing.
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