Sr. Portfolio Data Analyst

Description 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. Requirements 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.