Principal Business Analyst, Portfolio Management - Mission Lane

About Mission Lane

Mission Lane is a purpose-driven fintech company dedicated to helping millions of people achieve financial success. We combine data, technology, and exceptional service to empower individuals on their path to financial progress. We are looking for top talent to join our mission.

Principal Business Analyst, Portfolio Management

Mission Lane is seeking a Principal Business Analyst to lead our strategy for managing credit for existing customers. Reporting to the Senior Director, Portfolio Management, you will play a crucial role in shaping how we support our customers' financial journeys.

The Impact You'll Make

For many of our customers, their Mission Lane credit card is the first step toward building credit. Your work will define the criteria for customers who are ready for the next stage of financial progress, such as earning a higher credit line, a better rate, or qualifying for a second card. You will design strategies that analyze customer behavior and account for the ripple effects of changes across their accounts, ultimately helping more people achieve their financial goals.

Mission Lane is in an exciting phase of growth, offering a stable foundation with ample opportunities for learning and development.

Responsibilities

• Lead the development of criteria for qualifying customers for increased credit, second cards, or improved terms.
• Utilize AI-driven tools to enhance analytical speed and accuracy.
• Adapt strategies based on evolving customer behavior and market dynamics.
• Translate complex financial data into actionable recommendations that drive business growth while managing risk responsibly.
• Design and execute small market tests to inform future investment decisions.
• Collaborate with Product, Data Science, Engineering, and Capital Markets teams to implement initiatives.
• Present strategies and results directly to senior leadership.

Qualifications

• Deep understanding of the credit card business system, including acquisition, risk, and engagement, and how changes impact different areas.
• Curiosity to deeply understand the assumptions and reasoning behind your analysis.
• Strong sense of ownership and accountability for end-to-end work.
• Excellent communication skills to clearly explain business problems and solutions to cross-functional teams.
• Minimum 2 years of experience in a highly analytical role.
• Bachelor's or Master's degree in Economics, Finance, Engineering, Mathematics, or a related quantitative field with a strong academic record.
• Proven track record of solving open-ended business problems, including framing questions, forming hypotheses, analyzing data, and defending recommendations.
• Proficiency in SQL, Python, or similar data analysis tools.
• Ability to travel approximately 4-6+ times per year for in-person collaboration.

Preferred Qualifications

• Experience with credit cards or other consumer lending products.
• Experience scaling a business in a fast-paced startup environment.
• Strong SQL or Python skills.
• Experience using AI coding assistants (e.g., Claude Code, Codex, Gemini CLI, Cursor).

Compensation and Benefits

• Annual Base Salary Range: $118,000 - $135,000
• Eligible for annual incentive and equity programs.
• Comprehensive benefits package including paid time off, 401(k) match, monthly wellness stipend, health/dental/vision insurance, disability coverage, paid parental leave, flexible spending accounts, life insurance, and a remote-first work environment.

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