Sr. Portfolio Data Analyst

JOB TITLE: Sr. Portfolio Data Analyst

LOCATION: Remote (must be open to occasional business travel to Los Angeles and New York as needed)

REPORTS TO: Head of Data

The Company

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

The Role:

This role would be part of the Business Data Analytics team at Sunbit. In this position, you will work closely with the BU leaders, Risk, Finance, Core, and Accounting to help measure and monitor the company’s financial drivers overall. You would own the monitoring for key KPIs established by our business owners. Your goal is to keep the company’s leadership team informed about any potential risks to the overall growth and financial strategy for all products. You will directly support high-impact initiatives and help drive seamless operational execution. Your primary focuses are portfolio analytics, financial data accuracy, and back-office support for capital markets, FP&A, and accounting. Unlike a growth or strategic credit role, this position centers heavily on data integrity, roll-forward metrics, and system reconciliation.

What You'll Do:

• Own product monitoring that span across credit risk, payments, usage etc.
• Conduct rigorous checks and balances on loan and credit card performance metrics (beginning balance, transactions, ending balance).
• Build dashboards for executive consumption that measure actuals against the forecast
• Build a forecasting and projections framework for portfolio metrics
• Prepare & present material for executives; answer complex data inquiries from external investors/lenders and assist the investor team with scenario testing.
• Perform ad-hoc RCA and remediation analysis through partnership with the relevant leaders (card, loan, finance, etc)
• Support simulation of portfolio covenants for major risk strategy changes
• Institutionalize portfolio (card & loan) forecast and establish monitoring for the corporate model
• Collaborate with Capital Management, Risk, Finance, Core and Accounting and other business leaders to develop analysis and material for lender negotiations.
• Collaborate with engineering and data governance to establish reliable product tapes for joint partner utilization
• Support FP&A and Accounting by validating forecasts, explaining variance discrepancies (e.g., actual vs. expected interest income), and providing financial inputs.
• Reconcile General Ledger records with product tapes and trace payment flows from bank accounts down to discrete accounts.

What You'll Bring:

• 6+ years of relevant analytical experience with a bachelor’s degree or 4+ years of relevant analytical experience with a master’s degree in quantitative fields like (Analytics, Mathematics, Statistics, Economics, Engineering etc.)
• Proficient in SQL and is excited about acquiring new technical skills
• Strong verbal, written communication, and presentation skills
• Knowledge in Python, R or SAS
• Knowledge of BI tool: Tableau, Sigma, or similar
• Proficient in forecasting models like time series forecasting
• Experience in Credit Card, Loans or other financial services
• Passionate about solving real-world problems with data
• Has an eye to look at the big picture and can think long-term
• Has a growth mindset and takes proactive ownership
• Lives the 80/20 principle and gets things done

Why Choose Sunbit?

Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.

People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.

The Perks:

• Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024) 
• Mission driven + empowered + collaborative
• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Parental Leave
• Newly added HSA and Pet Insurance
• 401K Plan with Matching 
• Cell Phone Stipend 
• Team based strategic planning + Team owned deliverables

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.

Recruitment Fraud Disclaimer

We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm. 

We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.