Sr. Credit Analytics Manager - Cash Advance

EMPOWER OVERVIEW

Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we’re helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed.

This year, Empower ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list — our third year in a row cracking the top 100 — and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America’s Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022’s Next Big Things in Tech.

Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles — we can’t wait to meet you.

The Opportunity: Sr. Credit Analytics Manager - Cash Advance

Empower is looking for a talented analyst to join our high growth fintech startup and help develop and optimize our flagship cash advance product. This role presents an exciting opportunity to make a significant impact on our largest product line while working closely with cross-functional teams. As part of the Credit and Data Science team, you will focus on implementing and monitoring new risk models, collaborating with finance to assess and execute credit policies, and working with product teams to ideate and launch new features and improvements.

The ideal candidate is driven by a passion for leveraging data and analytics to fuel business growth and improve customer financial well-being. This individual will lead workstreams encompassing credit policy, product testing, and valuations, taking ownership from concept through to execution. They will work closely with cross-functional teams in product, technology, and finance to deliver innovative solutions that set Empower apart. The right candidate thrives on tackling complex challenges and is proficient in utilizing a wide range of technical tools to achieve impactful outcomes.

Empower is a remote-first company. We drive connectivity through regular company offsites. Travel for company offsites is expected at a minimum 2 times a year.

How You’ll Make an Impact

• Optimize Empower's cash advance product by refining credit policies and valuations frameworks.

• Design and conduct broad tests to improve future business outcomes.

• Collaborate with cross-functional teams including:

  • Finance: to align work with the broader company strategy.

  • Product and Marketing: to enhance customer engagement with our product.

  • Operations and External Vendors: to ensure seamless execution of loss mitigation strategies.

  • Data Infrastructure: to maintain data quality for accurate analytics and reporting.

• Drive the development of new product features and enhancements.

• Develop automated systems to monitor and report on business performance.

Why You’re a Great Fit

• Bachelor’s degree in Engineering, Business, Finance, Computer Science, or Mathematics.

• 3+ years of industry experience in data analytics and credit risk management.

• Strong proficiency in SQL and Python.

• Proven ability to design tests and build credit policies.

• Adaptable and eager to learn new tools and analytical methods.

• Experience working with cross-functional teams, including tech, product, credit, and business.

• A structured approach to problem-solving, with the ability to communicate complex topics effectively using frameworks.

• (Preferred) Experience in credit analytics at a bank or fintech company.

Our Interview Process

1. Initial Recruiter Call: A conversation to learn about your experience and what you're looking for in your next role.

2. Hiring Manager Interview: A deeper discussion about your background and the Compliance Director opportunity.

3. Skills Panel: Meet with Empower team members to discuss your expertise and problem-solving approach.

4. Leadership Conversation: A final conversation with our CEO to discuss how you'll contribute to Empower's mission (and how we can help you achieve your career goals along the way).

Don't meet every qualification? If you're excited about this challenge and driven to innovate, we still want to hear from you!

What You'll Get at Empower

• Meaningful Ownership: Competitive salary and generous equity in a profitable, fast growing company.

• Complete Support: 100% coverage for medical, dental, vision, and life insurance, plus a generous WFH reimbursement.

• High-Impact Teams: The chance to thrive in a small, focused team where your contributions directly shape outcomes for our business and customers.

• Remote First: A virtual first environment built on trust and outcomes.

• Team Connection: Twice-yearly company onsites where we come together to connect, learn, and build for the future (our last few have been in San Diego, Vail, and Flagstaff)!

• Growth Path: Ongoing opportunities for development in a dynamic, supportive, and creative environment.

The Empower Way

The Empower Way is one where bold ambition meets an owner mindset, where open dialogue and spirited debate are encouraged, and where everyone works together to put our customers first. We believe diverse voices lead to the best ideas, and we foster an environment where every individual is valued, heard, and supported as part of one unified team working to change lives and build a more inclusive future.

If that sounds like you, join us and be part of a team that's helping millions of people reshape their financial futures.