Senior Analyst, Credit Strategy

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.

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.

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?

^{This is a hybrid role. 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.}

^{ABOUT THE ROLE:}

^{As a Credit & Pricing Strategy Analyst, you will play a key role in shaping how Bluevine evaluates risk, prices credit products, and drives profitable portfolio growth.}

^{This is a highly cross-functional role at the intersection of risk strategy, engineering, product, and business operations. 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.}

^{WHAT YOU'LL DO:}

• ^{Develop and optimize credit and pricing strategies that balance growth, risk, and profitability objectives.}
• ^{Identify opportunities to improve underwriting decisions, customer segmentation, and pricing frameworks.}
• ^{Evaluate strategy performance and recommend enhancements based on portfolio outcomes and business goals.}

• ^{Conduct deep-dive analyses to uncover trends, risks, and growth opportunities.}
• ^{Translate complex analytical findings into actionable recommendations for business leaders.}
• ^{Support executive decision-making through clear, data-backed insights.}

• ^{Partner with Product, Risk Operations, Analytics, and Engineering teams to implement strategy changes within automated decisioning systems.}
• ^{Improve existing policies, workflows, and controls to enhance scalability and operational efficiency.}
• ^{Help build best-in-class risk and pricing infrastructure for a rapidly growing lending business.}

• ^{Collaborate with stakeholders across Risk, Finance, Capital Markets, Product, and Operations.}
• ^{Take ownership of initiatives that directly contribute to business and portfolio performance.}

^{WHAT WE LOOK FOR:}

• ^{Strategic & analytic orientation:  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 & problem-solving based on data.} 
• ^{Strong business judgment, leadership and integrity: Ability to make informed and timely decisions based on data analysis} 
• ^{Strong technical skills: Proficiency in  SQL, Python, Excel}
• ^{Ability to navigate unstructured problems : Someone who gets excited about creating structure from an unstructured problem area; and is not afraid to get their hands dirty}
• ^{Strong communication skills: Ability to convey complex concepts to diverse audience, including executives, team members, and other stakeholders} 
• ^{Clear results orientation: Display an intense focus on achieving both short and long term goals}
• ^{Adaptability: Someone who is excited to work in a fast paced, entrepreneurial and dynamic environment.} 
• ^{Continuous Learning: Eagerness for ongoing professional development and staying informed of industry trends}

^{Required Experience and Education}

• ^{Bachelor’s Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering)}
• ^{3-4 years of relevant experience in analytics, strategy, etc.}
• ^{SQL, Python, BI and Excel high proficiency}

^{Not required, but a plus}

• ^{Experience in Financial services (U.S. bank/fintech/line of credit/credit card experience a plus)}
• ^{Experience in Credit products}