Lead Data Analyst

What will you do?

In this role, you'll collaborate across Cardless to build foundational models, provide crucial data insights, models, and products supporting informed decisions and growth. You'll analyze Cardless’ data, translate business needs into data problems, and build scalable solutions like metrics, pipelines, and dashboards. Your work will involve extracting actionable insights, creating reports, and delivering data-driven recommendations to guide the business.

Examples of critical upcoming work:

As a lead analyst you will have broad influence across our company and have a direct impact on our future trajectory! 

- Build structured models for our key data sets for other stakeholders across Cardless to query and leverage for business insights

- Product Performance Dashboard: Design and implement an interactive dashboard that tracks key performance indicators (KPIs) for our various financial products. This will involve working closely with the product team to identify relevant metrics and creating a user-friendly interface for stakeholders and partners to monitor product performance in real-time.

- Customer Segmentation Analysis: Develop a comprehensive customer segmentation model using transaction data, demographic information, and product usage patterns. This project will involve collaborating with marketing and product teams to identify key segments and create targeted strategies for each group.

- Cost of Funds Optimization: Collaborate directly with the head of finance to analyze our funding sources, capital allocation, and risk profiles. Develop a data-driven model to optimize our cost of funds, with a direct impact on our bottom line and profitability! 

- Regulatory Reporting Automation: Partner with the finance and compliance teams to streamline and automate regulatory reporting processes. This project will involve optimizing data pipelines, creating automated reports, and ensuring data accuracy for compliance purposes.

Key Responsibilities:

- Collaborate with marketing, finance, product, compliance, and operations teams to identify data needs and provide analytical support

- Design, develop, and maintain complex SQL queries and databases to extract, transform, and analyze large datasets

- Create clear, compelling data visualizations and presentations to communicate insights to both technical and non-technical stakeholders

- Identify trends, patterns, and anomalies in financial and user behavior data to inform strategic decisions

- Monitor and ensure data quality within the data warehouse, troubleshooting and resolving issues as needed.

- Create reporting dashboards and monthly financial reports using SQL and data tools such as Mode and Looker.

Requirements

- Bachelor's degree in Statistics, Mathematics, Computer Science, or a related field

- 5+ years of experience in data analysis, preferably in the fintech or financial services sector

- Expert-level proficiency in SQL and data modeling

- Strong storytelling skills with the ability to translate complex data into actionable insights

- Proficiency in data visualization tools (e.g., Tableau, Power BI)

- Experience with statistical analysis and programming languages such as Python or R

- Excellent communication and interpersonal skills, with the ability to work effectively across teams

- Strong problem-solving skills and attention to detail

Nice to have:

- Master’s degree in Mathematics, Statistics, Economics, Engineering, or a related technical field

- Experience with data engineering concepts and tools (e.g., ETL processes, data warehousing)

- Experience with dbt or Fivetran

- Familiarity with cloud platforms like AWS or Google Cloud

- Knowledge of machine learning techniques and their applications in fintech

Our Values

We believe that the best companies are the ones that successfully align their vision and values, that match their decision making processes, hiring criteria, and overall operating principles to the change they’re striving to make. We're willing to spend significant time and resources to be above average at the following things, because we believe that will lead to long term success.

- Be curious and be the solution. We work in a complex space. In order to be successful, we must think globally and collaborate cross-functionally. We ask thoughtful questions without judgment and propose comprehensive solutions that address the full picture. We are all owners at Cardless — mindful and empowered.

- Start with the customer. Our customers are our priority. Our care for them drives our actions. The first question we always ask is: how will this impact the customer? We make every decision, no matter how big or small, with the customer top of mind.

- Move fast and build things. We are a startup in a highly regulated space, so we must execute with both speed and precision. We achieve this through deliberate focus, methodical preparation, and disciplined execution. We build, learn, improve, and repeat.

- A place to do your best work. We are a team, and we achieve more together than apart. At Cardless, we want to see each other succeed: we take as much pride in each other’s work as our own. We celebrate and seek out diversity of experience, thought, and background in order to accelerate both individual and company growth. We're hungry, we're passionate, and we’re inspired to achieve great things together.

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