Sr. Analyst, Consumer Lending Analytics

Merrick Bank • Pacifica, CA

1d

About The Position

The Sr. Analyst of Consumer Lending Analytics will contribute to driving growth and improving risk-adjusted returns for Merrick’s Recreational and Flow Lending businesses. Merrick’s Recreational Lending business offers secured installment loans through our dealer partners for RVs, boats, trailers, and more. Merrick’s Flow Lending business purchases consumer loan assets originated and serviced by other lenders. This role will support improvements across credit strategy, verification strategy, pricing, and valuations.

Requirements

• Bachelor's degree in a quantitative field (e.g., Business, Economics, Finance, Statistics, Engineering, Math, or Sciences) is required.
• Two (2) years of experience using data-driven analysis to inform business or product strategy.
• Strong communication skills.
• Proficiency with SQL or a scripting language (e.g., Python, R).
• Comfort working hands-on with large analytical datasets to perform complex analyses.
• Proficiency with Microsoft Office tools such as Excel and PowerPoint.
• Proven ability to work within cross-functional teams.

Nice To Haves

• Previous experience in consumer financial services or fintech industries, particularly with indirect and/or secured lending products.
• Experience with credit policy and/or pricing strategies.
• High curiosity and learning agility, with a strong initiative and willingness to roll up one’s sleeves.

Responsibilities

• Analyzes credit policies such as approve/decline criteria, policy limits, verification requirements, and risk model implementations.
• Monitors and interprets key performance indicators (KPIs) and financial metrics to effectively manage the P&L, providing actionable insights that support strategic decision-making.
• Conducts comprehensive, data-driven analyses and market research to identify opportunities for product enhancements, pricing adjustments, and partner/customer experience improvements that increase profitability and market positioning.
• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.
• Perform other duties as assigned by senior management.
• Maintain ethical standards, judgment, and confidentiality in all matters.

Benefits

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level