Principal Business Analyst, Portfolio Management

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind? 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.) At Mission Lane, we’re looking for people who have the courage to take on new challenges. If you need accommodations to perform at your highest potential throughout the application and/or interview process, don’t hesitate to reach out. We’re committed to ensuring our team members have balance in their lives. Our comprehensive benefits package* provides the support you need to thrive at work and at home. Work: An engaging culture with access to training programs and advancement opportunities Life: Full health, dental, and vision benefits, Flexible Spending Account (for medical and childcare expenses), paid parental leave, and a 401k Company Match Balance: Generous PTO, flexible schedules, a Calm App subscription, and more. Compensation: USD Target starting base salary range for Principal Analyst: $118,000 - $135,000 Additional compensation in the form(s) of participation in our annual incentive program and equity are available for this role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment. About Mission Lane: Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do. In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors. Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member. Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status. Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting [email protected] . Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters. Application Integrity: Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete. Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.