Staff Business Analyst - Credit Strategy

Key Skills

Data Analytics, Data science techniques, Data Visualization, Finance, JavaScript, Python Programming, QlikView, R Programming, SQL, Tableau

Job Description

One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic, by providing small businesses access to the capital they need when they need it, leveraging the data inside QuickBooks for faster and better decisioning. This way, our customers never again have to worry about not making payroll or saying no to a business opportunity. That’s how we power prosperity.

QuickBooks Capital is a nimble and high-priority start-up within Intuit that is looking to reinvent small business borrowing. We are the fastest growing SMB lending business in the market. We are looking for top talents and team members that love new challenges, cracking tough problems and working cross-functionally. If you are looking to join a fast-paced, innovative and incredibly fun team, then we encourage you to apply.

The role as QuickBooks Capital credit strategy lead will dive into three areas to help the business grow:

Monitor key portfolio risk indicators such as: delinquency, roll-rates, charge-offs and recoveries

Summarize impacts of changes in credit quality, portfolio composition and macroeconomic conditions

Partner with our servicing and collections team to launch novel contact strategies across multiple channels and touchpoints to help our customers get back on track

Qualifications

• Strong business acumen with the ability to understand business problems and KPIs from multiple stakeholder perspectives
• MS/PhD in quantitative fields such as Statistics, Operational Research, Industry Engineering, Finance, Economics etc. Or Bachelor Degree in same fields with 5+ years working experience or equivalent work experience
• 5+ years working experience in an analytics related role leading credit strategy, collections analytics or loss forecasting. Lending experience at a bank or Fintech strongly preferred
• Having risk related domain knowledge, such as credit bureau attributes and scoring, customer acquisition, scorecard modeling, loan amount assignment, pricing, loss forecasting, or collections
• Proven analytical thinker that can leverage excellent communication skills to translate complex quantitative and qualitative data into actionable insights
• Ability to learn fast and work in a fast-paced working environment, and confidence in taking end-to-end ownership of a project
• Proficient in one of the following analytics tools, such as Python, R, and SAS
• Advanced Google Sheet/ Excel skills with strong logical and SQL/query skills
• Experience developing beautiful dashboards with visualization tools such as Tableau, Looker, or Domo
• Meticulous attention to detail - you are proud of everything you produce and the assumptions they were built on

Responsibilities

• Design, implement, and monitor contact strategies and payment options that enable Capital to assist borrowers experiencing hardship complete payments and get back on track
• Partner with Servicing and Collections teams to develop and propose new contact strategies across SMS, inbound/outbound call and emails to optimize customer touchpoints
• Launch, monitor and refine KPIs and tracking dashboards to enable stakeholders visibility into success of the programs
• Use big data technology to mine massive transactional data and translate credit risk analyses into actionable business opportunities
• Team up with our data scientist, underwriting, data engineering teams closely to drive customer segmentation, new contact prioritization models and perform portfolio analyses
• Dive deep into our lending portfolio performance and understand the key drivers of portfolio level behavior related to credit policy releases and economic shifts that will impact near term and long term losses
• Build great ownership and leadership by working collaboratively with business partners (product development, data engineering, compliance, underwriting team etc.) to design new products to increase our market share

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. The expected base pay range for this position is Bay Area California $152,500 - 206,000. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing pay equity for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.