Principal Business Analyst, Portfolio Management

Mission Lane

2d•$118,000 - $135,000•Remote

About The Position

The Principal Business Analyst will own analytics, modeling, reporting, and recommendations for Mission Lane's Portfolio Management programs. This role designs the strategies behind customer engagement and risk management, including upgrades and multicard, that best serve our customers and our business. In the first year, the analyst will sharpen the underwriting behind multicard offers and turn rewards upgrades and purchase incentives into tested strategies that move real engagement numbers. They will design or refine the underwriting and pricing behind the multicard, line-extending strategy, and turn rewards upgrades and purchase incentives into tested strategies for re-engaging low-usage customers. The role involves partnering with risk, data science, and engineering to bring strategies to market.

Requirements

Analytical experience with a line-extending strategy, like credit limit increases, multicard, or another underwriting-heavy product.
Ability to work through others to get things done; broader mandate than pure analytics.
Business judgment to notice when a model's answer doesn't match reality and the instinct to ask why.
2-5 years of experience in a highly analytical role, ideally in credit, lending, or another line-extension strategy.
Proven ability to problem solve end to end: from framing a hypothesis, to analyzing the data, to defending a recommendation with stakeholders.
Familiarity with SQL and Python for data analysis.
Bachelor's or Master's in Economics, Finance, Engineering, Mathematics, Statistics, or a similar quantitative field with a strong academic record.

Nice To Haves

Curiosity about new AI tools and willingness to explore them independently.
Experience with credit cards or other consumer lending products, especially underwriting or portfolio management.
Experience building or maintaining risk models used to make account-level decisions at scale.
Experience with rewards, loyalty, or engagement programs.
Demonstrated expertise in SQL or Python.
Experience using AI coding assistants (Claude Code, Codex, Gemini CLI, Cursor, etc.).
Tableau is a plus.

Responsibilities

Own analytics, modeling, reporting, and recommendations for Portfolio Management programs.
Design strategies behind customer engagement and risk management, including upgrades and multicard.
Sharpen underwriting behind multicard offers.
Turn rewards upgrades and purchase incentives into tested strategies that move real engagement numbers.
Design or refine underwriting and pricing behind multicard, line-extending strategy.
Turn rewards upgrades and purchase incentives into tested strategies for re-engaging low-usage customers.
Partner with risk, data science, and engineering to bring strategies to market.