Lead, Consumer Lending Analytics

Job Description

About Rate

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Rate is building the next generation of consumer lending.

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While we’ve built one of the nation’s leading mortgage platforms, we’re investing aggressively to create a broader consumer lending business powered by data, analytics, AI, and exceptional customer experiences.

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We move fast. We value builders over bureaucracy. Great ideas don’t spend months in committee—they get tested, refined, and launched. If you’re energized by creating something new rather than maintaining the status quo, you’ll fit right in.

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As part of that vision, we’re building the Rate Analytics Intelligence Layer (RAIL)—the analytical foundation that will power smarter decisions, better customer experiences, and scalable growth across the business.

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The Role

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We’re looking for exceptional hands-on analytics professionals to help build RAIL from the ground up.

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This is a high-impact individual contributor role with significant ownership. You’ll work directly with experienced analytics and business leaders to design, build, and implement capabilities that directly influence customer experiences, business decisions, operational performance, and revenue growth.

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We’re hiring professionals with strengths in one of two complementary disciplines:

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Analytics Engineering

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• Build reusable data products, analytical datasets, enterprise metrics, and scalable analytics capabilities.
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• Develop modern analytical solutions using SQL, Python, Databricks, cloud technologies, and related platforms.
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Analytics Product Development

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• Turn analytical capabilities into business solutions that improve customer experiences, workflows, operational effectiveness, and decision-making.
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• Partner directly with business leaders to move analytical ideas into production.
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What You’ll Do

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• Design and build scalable analytical capabilities.
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• Solve complex business problems using data.
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• Partner with technical and business teams to deliver production-ready solutions.
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• Build reusable assets that accelerate future development.
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• Use AI and modern analytics tools to improve productivity and quality.
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• Measure results and continuously improve what you build.
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What You’ll Bring

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• 5+ years of experience in analytics engineering, advanced analytics, data science, analytical product development, business intelligence, or a related discipline.
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• Strong hands-on technical skills with SQL, Python, Databricks, Snowflake, cloud platforms, APIs, visualization tools, or related technologies.
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• Experience delivering analytical solutions that were successfully implemented—not just analyzed.
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• Excellent problem-solving and communication skills.
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• A builder’s mindset with intellectual curiosity and a bias toward action.
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Experience in consumer lending or financial services is a plus, but not required.

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AI at Rate

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We expect our analytics professionals to use AI as a practical productivity accelerator—for coding, analytics, business analysis, documentation, and solution development—while exercising sound judgment and appropriate governance.

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Education

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Bachelor’s degree in a quantitative, technical, analytical, or business discipline (or equivalent experience).

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You’ll Thrive Here If You

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• Love building rather than maintaining.
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• Want meaningful ownership early.
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• Like working directly with senior leaders.
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• Enjoy solving difficult business problems.
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• Care about shipping solutions—not just creating analyses.
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• Learn quickly and continuously improve your craft.
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