Principal Business Analyst, Portfolio Management

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind? The Principal Business Analyst will own analytics, modeling, reporting, and recommendations for our 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. The Impact You’ll Make in this Role: At Mission Lane, our analysts work on initiatives that touch all facets of the business and have the opportunity to work on different teams within the organization as their careers develop. The Credit Team is responsible for matching prospective customers with the right product terms, owning the underwriting process throughout the lifetime of the customer, understanding lifetime value, and creating pathways to customer graduation all while staying true to our mission. As a Business Analyst, you will: Take the lead in initiatives to improve our underwriting & pricing strategies Have the opportunity to use AI driven tools for data analysis Optimize current acquisition strategies in response to customer behavior and changing marketplace conditions Develop actionable financial strategies based on financial data-driven insights to improve credit risk and profitability while driving step changes in the company’s growth trajectory Seed tests in market to better understand customer behavior and leverage learnings to invest in future growth Collaborate with cross functional teams across product, data science, engineering and capital markets to bring strategies to market Articulate and communicate strategies to senior leadership Minimum Qualifications: Proven ability to problem solve end-to-end: from framing the question and forming a hypothesis, to analyzing the data, to communicating and debating the answer with other stakeholders Familiarity with SQL, python, or other tools for data analysis 2 - 7 years of experience (YOE) in a highly analytical role. Our team dynamics commonly align 2 - 5 YOE for Principal Analyst level and 4 - 7 YOE for the Business Manager opportunity Bachelor’s or Masters in Economics, Finance, Engineering, Mathematics, or similar quantitative field with record of strong academic performance Preferred Qualifications: Experience doing analytical work with credit cards or other consumer lending products Experience helping scale a business in a fast-paced startup environment Expertise in SQL or Python Experience using AI coding assistants (Claude Code, Codex, Gemini CLI, Cursor, etc.) Compensation: USD Target starting base salary range for Principal Analyst: $118,000 - $135,000 Target starting base salary range for Business Analyst Manager (IC): $142,000 - $157,000 Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/dental/vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-first work environment. About Mission Lane: Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do. In partnership with our sponsor banks, we offer credit cards under the Mission Lane bran…