Principal Business Analyst, Portfolio Management

The Principal Business Analyst will own analytics, modeling, reporting, and recommendations for Portfolio Management programs. This role designs strategies behind customer engagement and risk management, including upgrades and multicard, that best serve customers and the business.

The Impact You’ll Make in this Role:

At Mission Lane, analysts work on initiatives that touch all facets of the business and have the opportunity to work on different teams within the organization as their careers develop. The Credit Team is responsible for matching prospective customers with the right product terms, owning the underwriting process throughout the lifetime of the customer, understanding lifetime value, and creating pathways to customer graduation while staying true to the mission.

As a Business Analyst, you will:

• Take the lead in initiatives to improve underwriting and pricing strategies
• Have the opportunity to use AI-driven tools for data analysis
• Optimize current acquisition strategies in response to customer behavior and changing marketplace conditions
• Develop actionable financial strategies based on financial data-driven insights to improve credit risk and profitability while driving step changes in the company’s growth trajectory
• Seed tests in market to better understand customer behavior and leverage learnings to invest in future growth
• Collaborate with cross-functional teams across product, data science, engineering, and capital markets to bring strategies to market
• Articulate and communicate strategies to senior leadership

Minimum Qualifications:

• Proven ability to problem-solve end-to-end: from framing the question and forming a hypothesis, to analyzing the data, to communicating and debating the answer with other stakeholders
• Familiarity with SQL, Python, or other tools for data analysis
• 2–7 years of experience in a highly analytical role. Team dynamics commonly align 2–5 years of experience for Principal Analyst level and 4–7 years of experience for the Business Manager opportunity
• Bachelor’s or Master’s degree in Economics, Finance, Engineering, Mathematics, or a similar quantitative field with a record of strong academic performance

Preferred Qualifications:

• Experience doing analytical work with credit cards or other consumer lending products
• Experience helping scale a business in a fast-paced startup environment
• Expertise in SQL or Python
• Experience using AI coding assistants such as Claude Code, Codex, Gemini CLI, or Cursor

Compensation:

Target starting base salary range for Principal Analyst: $118,000–$135,000

Pay is based on factors such as work experience, education, certifications, 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, and vision insurance options, disability coverage, paid parental leave, flexible spending accounts for childcare and healthcare, life insurance, and a remote-first work environment.