Intern, Risk

Kapitus•New York, NY

About The Position

As a Summer Intern in the Risk/Pricing Department, you will play a crucial role in supporting our segmentation strategy and pricing optimization efforts. Your primary responsibility will be to analyze merchant profiles, identify performance correlations, and help refine pricing strategies to improve our business outcomes. This internship will provide you with valuable exposure to financial analysis, data-driven decision-making, and strategic recommendations to upper management. The Risk Department is responsible for balancing the support of sales growth with the management of potential losses and the optimization of profitability. This is achieved by analyzing the historical performance of our portfolio and evaluating the economics of individual deals. We segment merchants based on attributes such as industry, credit grade, and credit bureau information, which informs our policy and pricing rules. These efforts help us target preferred merchant profiles and set lending terms that align with our business goals.

Requirements

Proficiency in MS Office advanced Excel skills for data analysis and reporting.
Ability to interpret complex data, identify trends, and perform statistical analysis.
Understanding of pricing strategies, portfolio performance, and profitability metrics.
Ability to create clear and concise presentations and present findings to large audiences (via Teams or in-person).
A motivated, detail-oriented individual with a strong interest in financial analysis and pricing strategy.
Someone who is comfortable working with large datasets, performing statistical analysis, and using Excel to derive insights.
A proactive thinker who enjoys problem-solving and optimizing business processes.
An effective communicator with the ability to present technical findings in a clear and compelling way to both technical and non-technical stakeholders.

Nice To Haves

Familiarity with Excel modeling, financial analysis, and statistical techniques (e.g., regression analysis) is a plus.

Responsibilities

Review current pricing strategies and analyze portfolio data, merchant profiles, and historical performance.
Identify characteristics and attributes that correlate with strong performance and profitability.
Identify opportunities to optimize our risk-based pricing and targeting, focusing on capturing more volume from high-performing segments and limiting exposure in underperforming segments.
Evaluate the economic outlooks for the identified segments and recommend potential updates to pricing strategies.
Frame estimated economic impacts of proposed changes and present recommendations to upper management.
Review and analyze current pricing strategies and merchant profiles.
Perform segmentation analysis to identify profitable merchant segments.
Use analytical tools to identify correlations between merchant attributes and performance.
Prepare and present strategic recommendations to improve pricing and targeting strategies.
Collaborate with cross-functional teams to understand market conditions and refine pricing policies.