Senior Credit Business Analyst

Join us in building the future of finance. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, keep reading. About the team + role We are building an elite team, applying frontier technologies to the world’s biggest financial problems. We’re looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn’t a place for complacency, it’s where ambitious people do the best work of their careers. We’re a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards. We're looking for an exceptional Senior Credit Business Analyst to help shape the future of our core platforms, products, and customer experiences. FinTech is one of the most complex and rapidly evolving spaces in technology, and the challenges we're tackling require deep innovation, critical thinking, and scale that don't always have strong precedents. You'll take on a highly influential role shaping vision and execution across key strategic initiatives. You'll partner with cross-functional leaders, contribute to high-impact decisions, guide complex projects from concept to completion, and mentor others on the team. This is a role for someone who leverages modern tools and cutting-edge methodologies as a core part of how they solve problems, and raises the bar for everyone around them. This role is based in our Menlo Park, CA, with in-person attendance expected at least three days per week. At Robinhood, we believe in the power of in-person work to accelerate progress, spark innovation, and strengthen community. Our office experience is intentional, energizing, and designed to fully support high-performing teams. What you'll do Set and optimize credit policies for new accounts and for customer management programs such as limit increases. Develop comprehensive monitoring and analysis suites that help identify actionable insights and new strategies to improve business performance. Build and main NPV valuation models for management of credit programs. Influence and partake in cross- functional collaborations to drive key product features and strategies. Design tests to refine product and credit strategy. Communicate performance and strategy with senior leadership as well as external stakeholders. Telecommuting permitted. What you bring Bachelor’s degree or foreign equivalent in Mathematics, Business, Computer Science or related field and five years(5) of progressively responsible experience in job offered or related occupation. Alternatively, a Master's degree in Mathematics, Business, Computer Science or related field and three years (3) of experience in job offered or related occupation is acceptable. Education and/or experience must include: Build Net Present Value (NPV) models in python, SQL and excel to understand the cashflow and profitability of a credit card customer. Use python and SQL to build large datasets to understand performance of credit -card and banking customers. Perform Credit underwriting with understanding of credit trends and credit card economics. Managing a lending program. Building models utilizing python, SQL and excel to send marketing offers for credit cards. Utilize statistical tools to run A/B tests to read the effects of different treatments being offered to customers. Read statistical tests correctly and figure out which test was the winner based on p-value and confidence interval. Background checks required What we offer Challenging, high-impact work to grow your career Performance driven compensation with multipliers for outsized impact, bonus programs, equity ownership, and 401(k) matching Best in class benefits to fuel your work, including 100% paid health insurance for employees with 90% coverage for