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Gen Z is the generation of the side hustle. 💪🏻 They’re creators. 👩🎤 They’re freelancers. 🧑💻 They’re investors. 👩💼 And they’re not afraid to take on challenges, especially when it comes to their finances - and we’re here for it.
Step is a next-generation financial services company building a better banking experience to help teens and young adults achieve financial independence and knowledge at an earlier age. We’re on a mission to improve the financial future of the next generation by empowering teens to start their financial journey today. Step is a well-funded Series C company that has raised more than $175M, focused on disrupting the banking industry through a differentiated mobile-first consumer experience.
People love our product. We eclipsed over 5.5M million customers, and if you’re looking to join a fast-growing company with a strong mission and vision that puts people first, we want to meet you!
The role
We seek an experienced Senior Credit Analyst to enable and accelerate Step’s Lending projects.
What you'll do
- Build pricing models that drive sustainable growth and profitability of the lending program.
- Ideate new pricing structures, underwriting iterations and product differentiators with a cross-functional team of Product, Legal, Compliance, Data and Engineering.
- Implement detailed data tracking of key KPI's that make the health of the lending program accessible and easy to explain for stakeholders.
- Model product performance over time and use those insights to support on creating strategy proposals to drive the lending business forward.
- Work closely with Data Science to optimize profitability by assisting with model development and credit policy creation
- Create customer risk profiles that can be used as a point of reference for the lending program
- Perform ad-hoc analysis to understand business and customer trends.
What we're looking for
- 8+ years experience in analytics.
- Previous experience with creating and modeling pricing structures and credit policies.
- Strong understanding of lending and experience in financial analysis.
- Experience performing credit risk analysis and customer risk segmentation.
- Strong command of SQL and one or more modern programming languages.
- Experience with data visualization tools like Looker, Mixpanel, Tableau, etc.
- Ability to communicate clearly with both technical and non-technical audiences.
- Bias towards simple solutions that work.
- Self-starter and able to work autonomously.
- Competitive salary based on experience, with full medical and dental benefits 💸
- High potential for growth 📈
- Stock in an early-stage startup 🤩
- Flexible WFH and vacation policy 🏝
- Paid parental Leave 🐣
- Employee referral program 👯♀️👯
- 401K plan 💪🏻
Top Skills
What you need to know about the Los Angeles Tech Scene
Key Facts About Los Angeles Tech
- Number of Tech Workers: 375,800; 5.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Snap, Netflix, SpaceX, Disney, Google
- Key Industries: Artificial intelligence, adtech, media, software, game development
- Funding Landscape: $11.6 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Strong Ventures, Fifth Wall, Upfront Ventures, Mucker Capital, Kittyhawk Ventures
- Research Centers and Universities: California Institute of Technology, UCLA, University of Southern California, UC Irvine, Pepperdine, California Institute for Immunology and Immunotherapy, Center for Quantum Science and Engineering
