Business Ops Analyst - Avvance POS Lending

U.S. Bank • Charlotte, NC

18h • Hybrid

About The Position

At Avvance, we leverage data to drive loan origination growth, manage merchant risk, and ensure the success of our partners and merchants. As a Business Operations Analyst, your primary role will be to transform complex performance and risk data into clear, actionable insights. These insights will be crucial in influencing strategy, improving portfolio outcomes, and strengthening relationships with merchants and partners. You will be part of a collaborative, high-performing team with extensive expertise in lending and merchant services. This position is ideal for an analyst who excels in a fast-paced environment, enjoys tackling ambiguous problems, and can effectively translate data into decisions that leaders can act upon.

Requirements

• Bachelor's degree, or equivalent work experience.
• Typically five or more years of related experience.
• Proficiency with SQL, with experience using Python or R preferred.
• Ability to manage multiple analytical initiatives in a dynamic environment with strong attention to detail and follow-through.
• Excellent written and verbal communication skills, including presenting insights and recommendations to business partners.

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.
• 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.
• 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.

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