Business Ops Analyst - Avvance POS Lending

U.S. Bank National Association • Charlotte, NC

1d • $75,820 - $89,200 • Hybrid

About The Position

Avvance relies on data to grow loan originations while managing merchant risk and enabling partner and merchant success. As a Business Ops Analyst, you will transform complex performance and risk data into clear, actionable insights that influence strategy, improve portfolio outcomes, and strengthen merchant and partner relationships. You’ll join a collaborative, high-performing team with deep lending and merchant expertise. This role is ideal for an analyst who thrives in a fast-moving environment, enjoys solving ambiguous problems, and can translate data into decisions leaders act on.

Requirements

• Bachelor’s degree, or equivalent work experience
• Typically five or more years of related experience

Nice To Haves

• Experience applying advanced analytics, statistics, experimentation, or predictive modeling to business problems
• Strong capability working with large, complex datasets, including data extraction, validation, and metric definition and governance
• Proficiency with SQL, with experience using Python or R preferred
• Experience building dashboards and visualizations that drive business action, including partner scorecards, merchant health monitoring, and portfolio KPIs
• Ability to translate analytical findings into clear, actionable recommendations for both technical and non-technical audiences
• Experience partnering with cross-functional stakeholders to define questions, prioritize work, and influence decisions
• Ability to manage multiple analytical initiatives in a dynamic environment with strong attention to detail and follow-through
• Familiarity with risk concepts and operational metrics such as delinquency, loss rates, disputes or chargebacks, fraud indicators, and approvals or declines
• Familiarity with data governance, risk, and privacy standards, especially related to customer and merchant data
• Excellent written and verbal communication skills, including presenting insights and recommendations to business partners

Responsibilities

• Deliver insights that support merchant risk management, partner performance, merchant success, and emerging business needs
• Analyze large, complex datasets to identify trends, drivers, and emerging risks across merchants, partners, and the loan lifecycle
• Build and maintain recurring partner and merchant performance reporting (scorecards, KPIs, segmentation) to support business reviews and operating rhythms
• Source, integrate, and validate data from multiple systems (applications, underwriting, servicing, payments, disputes/chargebacks, CRM) to ensure accuracy and consistency
• Design dashboards, visualizations, and self-serve tools that clearly communicate performance, risk signals, and opportunity areas
• Translate analysis into concise, business-focused recommendations (e.g., policy or process changes, partner enablement, merchant outreach, monitoring rules)
• Partner with Risk, Product teams, Partner Management, Merchant Success, Sales, and Operations stakeholders to define questions, align metrics, and provide a holistic view of performance
• Monitor outcomes of implemented recommendations and iterate through ongoing measurement, root-cause analysis, and continuous improvement
• Ensure all data usage and reporting complies with risk, privacy, and data governance standards

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree