Sr. Analyst Flow Lending

Merrick Bank • South Jordan, UT

3d

About The Position

Join our team - and take the next step in achieving a fulfilling career! What We Do At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise . Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most. Who We Are CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC . CardWorks Servicing, LLC provides end- to-end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees. Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services. Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

Requirements

• Bachelor's degree in a quantitative field (e.g., Business, Economics, Finance, Statistics, Engineering, Math, or Sciences) is required.
• Three (3) 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.
• Ability to work through unconventional problems to identify issues and provide resolutions.
• Strong business acumen and strategic thinking abilities, with a focus on driving results and optimizing performance.

Nice To Haves

• Previous experience in consumer financial services or fintech industries, particularly with lending products.
• Experience with credit policy and/or pricing strategies.

Responsibilities

• Leads deal analytics, performance reporting, and cross-functional project initiatives.
• Builds and owns financial models to measure unit economics and deal-level returns, monitoring to stay on top of performance trends.
• Defines segmentation specific to each Flow Lending partner to drive deeper understanding of profitability dynamics and feeding insights back into the strategy.
• Monitors and analyzes performance trends, identifying areas for improvement and providing actionable insights that support strategic decision-making.
• Works closely with finance, strategy, compliance and senior management to align analytical efforts with business objectives and strategic goals.
• Evaluates new Flow Lending opportunities as they arise, analyzing loan tapes, understanding the partner’s strengths and weaknesses, and forming a point of view on the potential for the partnership.
• Engages with Flow Lending partners to drive actions that lead to better outcomes for both sides of the partnership.
• Analyzes credit policies such as approve/decline criteria, loan amounts, and pricing.
• 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