Avant is revolutionizing the world of lending by lowering the costs and barriers of borrowing for everyday people. At our core, we are a technology company that builds advanced platforms and uses custom analytics. Today, we help underserved consumers, the majority of whom get fast funding on our online platform without having to talk to anyone. Tomorrow we plan to use our world class technology and underwriting capabilities to launch new products and bank partnerships that empower our customers and move their financial lives forward.

The Card Analyst is responsible for using data analysis and modeling techniques to help ensure that our highly sophisticated approaches to lending and account management remain responsible and sustainable, both for Avant and for our customers

What you do at Avant

• Develop comprehensive Unit Economic model
• Develop and deploy programs and packages in Python that can be used to efficiently process data, generate reports, automate policy checks
• Perform new product risk analysis, stress testing, sensitivity testing, and etc.
• Collect, manage, and process analysis data from data warehouse using SQL (pgSQL/Presto/Dremio), and perform data quality check by reconciling data with other sources
• Identify business insights in big datasets using statistical modeling and analysis methodologies, considered methodologies include but are not limited to linear regression, logistic regression, decision trees, and multivariate statistical analysis using Python and/or modeling platforms such as DataRobot
• Convert complex data and findings into understandable tables, graphs, and written reports using Python and/or visualization tools such as Looker, Tableau, etc., and communicate strategies/proposals/solutions to key stakeholders
• Capture business requirements and reflect them in analysis, develop and present recommendations in business contexts, such as their association with risk drivers, the causation to credit losses, etc.
• Identify market potential through research and analysis, considered methods include but not limited to market research, competitive research, consumer profiling, and market segmentation
• Perform ad-hoc analysis and design experiments to identify opportunities to improve existing credit policy, and credit pricing
• Collaborate with cross-functional business partners on new initiatives, project requests, prioritization and delivery
• Develop and implement portfolio account management rules using analytical methods such as segmentation, hypothesis testing, etc.

Why you are a fit for Avant

• BA/BS degree (Masters degree preferred) with specialization in science, engineering, technology, mathematics, statistics, economics, business
• Strong analytical, interpersonal, communication, and problem-solving skills

Check out our Avant Blog!

We believe that a diverse set of backgrounds and experiences helps us create the most innovative solutions for our customers. We invite you to apply to our positions even if you do not meet 100% of the qualifications listed in the description. If you’re passionate about our mission and aligned to our values, we hope you’ll come contribute to our awesome culture.

Why Avant is the place for you:

At Avant, we believe our values make a difference:

Authenticity. We show up to work as our whole selves and make sure others can too.

Collaboration. We can only succeed when we do so as a team.

Problem-Solving. The harder the problem, the more satisfying the solution.

Customer. We are all owners of the customer experience.

Initiative. Plan. Adapt. Get Sh!t Done.

We believe that great ideas come from anyone and anywhere, that everyone is an owner who drives change, and that we have more fun when we work together. We're problem solvers who love collaborating with intelligent and highly-motivated people to reshape the face of digital banking. Avant offers terrific perks and benefits, fun social events with employees who actually like hanging out together, and a flexible growth environment where trying your hand at new projects and being the active owner of your career path is encouraged and supported.

Some of our benefits include:

• Choice of great Medical, Dental, and Vision Insurance Plan options

• 401(k) Match

• Unlimited Paid Time Off

• Flexible Work Environment

• Generous Paid Parental Leave

• Lunch Allowance (Fooda) and In-office Snacks

• WFH Stipends for our Remote Employees

• Access to LinkedIn Learning for Professional Development

• No Meeting Wednesdays - (a.k.a. planned time to Get Sh!t Done)

• Summer Fridays

• Fun In-Office and Virtual Social Events

• And who doesn’t love the swag

This position may require you to be fully vaccinated against COVID-19. If required, you'll be asked to provide proof that you’re fully vaccinated upon your start date or before working in or visiting our Chicago office. You’re considered fully vaccinated two weeks after you receive the second dose of a two-dose vaccine series (e.g., Pfizer or Moderna) or two weeks after a single-dose vaccine (e.g., Johnson & Johnson/Janssen). Failure to provide proof of vaccination may result in termination. Subject to applicable law and requests for accommodation.