Analyst (Underwriting)

| Greater LA Area | Remote
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Stem enables artists to build their businesses. Our tools empower independent musicians and their teams to distribute music, collect royalties from streaming platforms, pay their collaborators, and take out advances on their future earnings.

Stem is looking for an analyst to join our team and own the day-to-day operations of Scale, our advances offering for independent musicians. This role will be at the forefront of music financing, shifting the paradigm of how artists access capital to grow by clearly showing how much they’re paying and enabling them to retain ownership of their intellectual property. 

This person will initially work closely with our Director of Business Intelligence, learning the methodologies for valuing music and underwriting advances. They will then be expected to own the underwriting process independently, and improve it by implementing workflow optimization tools, automating, incorporating  additional signals, and refining the model. If you’re the type of person who enjoys tackling nebulous challenges and isn’t afraid to run sensitive processes with minimal oversight, this role might be for you!

This role is fully remote.


What You’ll Do:

  • Analyze musicians’ streaming data to estimate the value of their catalog and predict the cash flows of future releases
  • Compile historical earnings data to validate performance projections and understand decay
  • Underwrite artist advances to ensure Stem’s portfolio performance
  • Monitor the performance of the portfolio and identify ways to refine the model
  • Take ownership of the underwriting process and improve it as needed via tools or additional data sources
  • Assist the client team in explaining Scale’s structure to artists and their teams
  • Work with the engineering team to assist in productizing advance disbursement, repayment, and tracking

Our ideal candidate:

  • Is highly disciplined – able to execute sensitive processes repeatedly without errors
  • Has advanced Microsoft Excel skills, including VLOOKUPs, Pivot Tables, and statistical functions
  • Has financial modeling skills and an understanding of concepts such as IRR and DCF
  • Has excellent communication skills, including the ability to clearly and professionally present Scale advances to artist teams while building trust and rapport

Exceptional candidates:

  • Have basic SQL proficiency
  • Have experience with BI tools such as Periscope, Sisense for Cloud Data Teams, Looker, or Tableau
  • Have basic statistics proficiency
  • Have experience with Salesforce

**Stem is an equal opportunity employer, and more than that, actively strives to build and nurture a diverse, inclusive, and equitable team.  We celebrate differences and screen for shared values rather than culture fit.   We are committed to providing employees with a work environment free of discrimination and harassment.**

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • JavascriptLanguages
    • PythonLanguages
    • BASHLanguages
    • CSSLanguages
    • Semantic HTMLLanguages
    • GraphQLLanguages
    • ReactLibraries
    • DjangoFrameworks
    • Node.jsFrameworks
    • TerraformFrameworks
    • Apache AirflowFrameworks
    • CircleCIFrameworks
    • JenkinsFrameworks
    • PostgreSQLDatabases
    • BigQueryDatabases
    • BasecampManagement
    • NotionManagement
    • SalesforceCRM


As of 2020, we are a fully remote company. Most of our team are based in southern California.

An Insider's view of Stem Disintermedia

What’s the vibe like in the office?

The vibe in the Stem office is very familial. I come to work everyday and always feel like I can be myself - which I believe is very hard to find at a company nowadays. We tackle projects in the office as a team and I feel very grateful to feel so supported in the day to day!


Artist & Label Strategy Lead

What projects are you most excited about?

It is a very interesting time to work at the intersection of music and technology. There are wild inefficiencies across music that can be solved with technology, more specifically financial technology. We are building offerings that can radically change music's market dynamics.

Kristin Graziani

VP of Artist & Label Relations

What makes someone successful on your team?

An ideal team member is someone with excellent communication skills, both internally and externally. An individual's success is often measured by their dependability with their clients and their colleagues. Having a curious mind certainly helps as well!

Bobby Davin

Manager, Artist & Label Relations

What is your vision for the company?

You work here because you believe the industry is broken and that the future has to involve putting more power in the hands of creators. Our vision is an industry that sees the creator as an entrepreneur rather than a disposable product. To make that reality, you have to provide them the tools to place themselves at the nucleus of the ecosystem.


VP of Strategy

What projects are you most excited about?

What motivates me day to day here is knowing that my work is helping others pursue their dreams. When our initiatives help an early bet artist become a true star and successful earner it definitely makes the late nights worth it.

Deondray Sambolin-Randolph

Account Manager

What are Stem Disintermedia Perks + Benefits

Stem Disintermedia Benefits Overview

Stem offers competitive benefits & perks including 100% paid health insurance premiums for employees and 60% for dependents. We also have unlimited PTO, flexible remote work policies, student loan paydown programs, paid parental leave, and 401K matching.

Volunteer in local community
We partner with to create an annual student summit for Los Angeles HS/CC/re-entry students with panels, group mentoring sessions, and mock interviews.
Friends outside of work
Intracompany committees
Daily stand up
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Highly diverse management team
Mean gender pay gap below 10%
Diversity Employee Resource Groups
We have a DEI committee and a POC committee officially recognized and supported by Stem leadership.
Hiring Practices that Promote Diversity
We actively build diverse pipelines and our DEI committee partners with people operations to monitor and improve our hiring practices.
Health Insurance & Wellness Benefits
Dental Benefits
We cover 100% of employee premiums and 60% of employees' dependent premiums.
Vision Benefits
We cover 100% of employee premiums and 60% of employees' dependent premiums.
Health Insurance Benefits
We cover 100% of employee premiums and 60% of employees' dependent premiums.
Retirement & Stock Options Benefits
401(K) Matching
We fully match your first 3% and match half of your 4th and 5th%
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
In conjunction with state benefits, we provide up to 21 weeks of fully paid leave for new mothers and up to 13 weeks of fully paid leave for other types of new parents.
Flexible Work Schedule
Remote Work Program
Family Medical Leave
We offer unlimited PTO which employees can use for family medical leave.
Return-to-work program post parental leave
Company sponsored family events
We have an annual "Take Your Kids to Work Day" at Stem for all our employees' sprouts.
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Volunteer Time
Our employees receive 4 hours per year of paid volunteer time.
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Some Meals Provided
Employees get free lunch on Wednesday.
Happy Hours
Happy hours are hosted At team's discretion.
Pet Friendly
We encourage employees to bring their dogs to work.
Professional Development Benefits
Job Training & Conferences
Lunch and learns
We host lunch-and-learn fireside chats with industry leaders in music & fintech.
Cross functional training encouraged
Promote from within
Mentorship program
Our mentorship program includes Career mentoring.
Customized development tracks
Paid industry certifications

Additional Perks + Benefits

Our culture of trust and growth encourages staff to maintain a good work-life balance and pursue learning opportunities that are relevant to their roles.

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