MoneyLion is a leader in financial technology powering the next generation of personalized products and content, with a top consumer finance super app, a premier embedded finance platform for enterprise businesses and a world-class media arm. MoneyLion’s mission is to give everyone the power to make their best financial decisions. We pride ourselves on serving the many, not the few; providing confidence through guidance, choice, personalization; and shortening the distance to an informed action.

In our go-to money app for consumers, we deliver curated content on finance and related topics, through a tailored feed that engages people to learn and share. People take control of their finances with our innovative financial products and marketplace - including our full-fledged suite of features to save, borrow, spend, and invest - seamlessly bringing together the best offers and content from MoneyLion and our 1,100+ Enterprise Partner network, together in one experience. MoneyLion’s enterprise technology provides the definitive search engine and marketplace for financial products, enabling any company to add embedded finance to their business, with advanced AI-backed data and tools through our platform and API. Established in 2013, MoneyLion connects millions of people with the financial products and content they need, when and where they need it.

About the role

We are seeking a detail-oriented Risk Analyst to join our team and support the analytics and operations of Spark, Engine by MoneyLion's hosted decision model service. This role will focus on partner integrations, performance monitoring, and data analysis to help optimize our lending marketplace platform. The ideal candidate will have strong analytical skills, experience with SQL and data visualization tools, and an interest in fintech and credit risk.

This role is onsite 3 days a week out of our New York City office.

Key Responsibilities

Data Analysis & Reporting

Monitor funnel metrics including total leads evaluated, approval rates and conversion rates
Create and maintain dashboards using Periscope/Looker/Omni/DBT for partner performance tracking
Generate regular reports on caching rates, system performance, and partner analytics
Investigate reasons for changes to metrics by working across various teams
Analyze A/B test results and softpull experiments to measure optimization impact

Partner Integration Support

Assist with technical documentation and validation file preparation for new lender partners
Support integration testing and troubleshooting for marketplace lending partners
Help coordinate data mapping and attribute requirements between partners and internal systems
Monitor integration health and flag issues to senior team members
Highlight potential errors in the rules given by partners that result in poor conversion rates

Process Improvement

Identify opportunities for automation in reporting and monitoring
Model out potential impacts of proposed product changes
Support ad-hoc analysis requests from business stakeholders
Contribute to cross-functional projects with Product, Engineering, and Finance teams

Required Qualifications

Technical Skills

SQL: Intermediate proficiency with complex queries, joins, and window functions
Python: Most partner models will be written in python
Ability / willingness to learn how to create risk decision models
Data Visualization: Experience with Tableau, Looker, Periscope, or similar tools
Excel/Spreadsheets: Advanced skills including pivot tables, VLOOKUP, and basic modeling
Statistics: Understanding of basic statistical concepts, A/B testing

Experience & Knowledge

3+ Risk / Underwriting experience at a financial institution (fintech, lending, or other financial services)
Basic understanding of credit risk concepts (default rates, loss curves, provisioning)
Familiarity with APIs and data integration concepts
Experience working with large datasets and data quality issues

Soft Skills

Strong attention to detail and accuracy in data analysis
Excellent written and verbal communication skills
Ability to work independently and manage multiple priorities
Collaborative mindset and willingness to learn from senior team members
Ability to communicate data insights across departments including executives, product, and ps teams using clear visualizations and concise storytelling.

Preferred Qualifications

Experience with Python / creating risk decisioning models
Knowledge of AWS/cloud data platforms (Redshift, Snowflake)
Previous experience in marketplace or platform business models

What You'll Learn

Fintech industry best practices and emerging technologies
Fintech lead acquisition workflows
Regulatory compliance and reporting in financial services
Cross-functional collaboration in a fast-paced startup environment
Data engineering concepts and modern analytics stack

The annual base salary for the Senior Risk Analyst is expected to be between $120,000 to $135,000. Base salary is one component of MoneyLion's total compensation package, which includes, 401(k) match, multiple health insurance options, disability coverage, life insurance, and unlimited paid time off for salaried positions. Actual salaries will vary based on a candidate’s qualifications, experience, skills, and competencies related to the role.

What We Value

We value growth-minded and collaborative people with high learning agility who embody our core values of teamwork, customer-first and innovation. Every member of the MoneyLion Team is passionate about fintech and ready to give 100% in helping us achieve our mission.

Working At MoneyLion

At MoneyLion, we want you to be well and thrive. Our generous benefits package includes:

Competitive salary packages
Comprehensive medical, dental, vision and life insurance benefits
Wellness perks
Paid parental leave
Generous Paid Time Off
Learning and Development resources
Flexible working hours

MoneyLion is committed to equal employment opportunities for all employees. Inside our company, every decision we make regarding our employees is based on merit, competence, and performance, completely free of discrimination. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills. Within that team, no one will feel more “other” than anyone else. We realize the full promise of diversity and want you to bring your whole self to work every single day.