Senior Analyst, Credit Strategy

<div class="content-intro"><p><strong>About Bluevine</strong></p> <p>Bluevine is the largest small business banking platform in the U.S., redefining how entrepreneurs manage their money. We create modern financial solutions, from checking and lending to payments and beyond, designed to help small business owners grow, thrive, and take control of their financial future. Our best-in-class technology, advanced security, and deep understanding of the small business community give our customers the confidence to focus on what they do best.</p> <p>Since 2013, we’ve supported more than 750,000 small businesses nationwide. Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, our 500+ person global team shares one mission: to give small businesses the financial tools they need to succeed.</p> <p>We’re innovators driven by big ideas, collaboration, and real impact. Here, you’ll have the freedom to take ownership, grow your career, and make a difference for small business owners across America. Ready to shape what’s next?</p></div><p><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong><em data-stringify-type="italic">This is a hybrid role</em><em data-stringify-type="italic">.&nbsp;</em></strong>At Bluevine, we pride ourselves on our collaborative culture, which we believe is best maintained through in-person interactions and a vibrant office environment. All of our offices have reopened in accordance with local guidelines, and are following a hybrid model. In-office days will be determined by location and discipline.}</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<span style="font-weight: 400;"><strong>ABOUT THE ROLE:</strong></span>}</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{As a <strong>Credit &amp; Pricing Strategy Analyst</strong>, you will play a key role in shaping how Bluevine evaluates risk, prices credit products, and drives profitable portfolio growth.}</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{This is a highly cross-functional role at the intersection of <strong>risk strategy, engineering, product, and business operations</strong>. You'll partner with leaders across the organization to design, test, and optimize credit and pricing strategies that directly influence customer acquisition, portfolio performance, and business growth.If you enjoy solving complex problems with data, influencing strategic decisions, and building scalable solutions in a fast-paced fintech environment, we'd love to hear from you.}</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>WHAT YOU'LL DO:</strong>}</span></p> <h3><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Drive Credit &amp; Pricing Strategy</strong>}</span></h3> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Develop and optimize credit and pricing strategies that balance growth, risk, and profitability objectives.}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Identify opportunities to improve underwriting decisions, customer segmentation, and pricing frameworks.}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Evaluate strategy performance and recommend enhancements based on portfolio outcomes and business goals.}</span></li> </ul> <h3><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Deliver Data-Driven Insights</strong>}</span></h3> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Conduct deep-dive analyses to uncover trends, risks, and growth opportunities.}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Translate complex analytical findings into actionable recommendations for business leaders.}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Support executive decision-making through clear, data-backed insights.}</span></li> </ul> <h3><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Improve Processes &amp; Automation</strong>}</span></h3> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Partner with Product, Risk Operations, Analytics, and Engineering teams to implement strategy changes within automated decisioning systems.}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Improve existing policies, workflows, and controls to enhance scalability and operational efficiency.}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Help build best-in-class risk and pricing infrastructure for a rapidly growing lending business.}</span></li> </ul> <h3><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Influence Cross-Functional Outcomes</strong>}</span></h3> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Collaborate with stakeholders across Risk, Finance, Capital Markets, Product, and Operations.}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Take ownership of initiatives that directly contribute to business and portfolio performance.}</span></li> </ul> <p>&nbsp;</p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>WHAT WE LOOK FOR:</strong>}</span></p> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Strategic &amp; analytic orientation: </strong>&nbsp;Strategic mindset with the ability to align pricing strategies with overall business goals. Conceptual thinking skills must be complemented by a strong quantitative orientation with ability to drive decision-making &amp; problem-solving based on data.&nbsp;}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Strong business judgment, leadership and integrity: </strong>Ability to make informed and timely decisions based on data analysis&nbsp;}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Strong technical skills: </strong>Proficiency in&nbsp; SQL, Python, Excel}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Ability to navigate unstructured problems :</strong> Someone who gets excited about creating structure from an unstructured problem area; and is not afraid to get their hands dirty}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Strong communication skills:</strong> Ability to convey complex concepts to diverse audience, including executives, team members, and other stakeholders&nbsp;}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Clear results orientation:</strong> Display an intense focus on achieving both short and long term goals}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Adaptability: </strong>Someone who is excited to work in a fast paced, entrepreneurial and dynamic environment.&nbsp;}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Continuous Learning: </strong>Eagerness for ongoing professional development and staying informed of industry trends}</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Required Experience and Education</strong>}</span></p> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering)}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{3-4 years of relevant experience in analytics, strategy, etc.}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{SQL, Python, BI and Excel high proficiency}</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{<strong>Not required, but a plus</strong>}</span></p> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Experience in Financial services (U.S. bank/fintech/line of credit/credit card experience a plus)}</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 14pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 14pt;">^{Experience in Credit products}</span></li> </ul><div class="content-conclusion"><p><strong>Benefits &amp; Perks</strong></p> <ul class="p-rich_text_list p-rich_text_list__bullet p-rich_text_list--nested" data-stringify-type="unordered-list" data-list-tree="true" data-indent="0" data-border="0"> <li data-stringify-indent="0" data-stringify-border="0">Excellent group health coverage and life insurance</li> <li data-stringify-indent="0" data-stringify-border="0">Stock options</li> <li data-stringify-indent="0" data-stringify-border="0">Meal allowance</li> <li data-stringify-indent="0" data-stringify-border="0">Transportation assistance (terms and conditions apply)</li> <li data-stringify-indent="0" data-stringify-border="0">Generous paid time off plan, Holidays</li> <li data-stringify-indent="0" data-stringify-border="0">Company-sponsored mental health benefits</li> <li data-stringify-indent="0" data-stringify-border="0">Financial advisory services for both short- and long-term goals</li> <li data-stringify-indent="0" data-stringify-border="0">Learning and development opportunities to support career growth</li> <li data-stringify-indent="0" data-stringify-border="0">Community-based volunteering opportunities</li> </ul></div>