Sr. Analyst Flow Lending

Join our team - and take the next step in achieving a fulfilling career!

Become an everyday champion - and build a career where your impact fuels financial progress.

What We Do

CardWorks Financial Group is a diversified financial services platform building ethical solutions across credit, lending, and the full customer lifecycle. Through our family of companies, CardWorks Financial Group tackles the complex challenges that larger financial institutions leave behind. We're embedded throughout the credit card ecosystem as a lender, servicer, and merchant acquirer.

Who We Are

• Merrick Bank: The bank that builds
• CardWorks Servicing: One partner, total performance
• Carson Smithfield: Resolution with respect

With nearly 40 years of operating history, our track record is solid: disciplined in downturns and built to accelerate in recovery. The CardWorks Financial Group companies take precise approach in complex markets, as a top three non-prime focused general purpose card issuer and a top fifteen U.S. merchant acquirer.


Our team tackles the industry's most complex credit and payment challenges. And we believe that excellent work starts with a team that feels supported, respected, and empowered to grow.

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers, offering credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

ESSENTIAL FUNCTIONS:

Core Strategy, Deal Valuations, Performance Reporting, and Program Management

• Leads deal analytics, performance reporting, and cross-functional project initiatives.
• Builds and owns financial models to measure unit economics and deal-level returns, monitoring to stay on top of performance trends.
• Defines segmentation specific to each Flow Lending partner to drive deeper understanding of profitability dynamics and feeding insights back into the strategy.
• Monitors and analyzes performance trends, identifying areas for improvement and providing actionable insights that support strategic decision-making.
• Works closely with finance, strategy, compliance and senior management to align analytical efforts with business objectives and strategic goals

• Evaluates new Flow Lending opportunities as they arise, analyzing loan tapes, understanding the partner's strengths and weaknesses, and forming a point of view on the potential for the partnership.
• Engages with Flow Lending partners to drive actions that lead to better outcomes for both sides of the partnership.

• Analyzes credit policies such as approve/decline criteria, loan amounts, and pricing.

Compliance with Laws and Regulations

• Responsible for complying with all of the Bank's internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Additional Responsibilities

• Perform other duties as assigned by senior management.
• Maintain ethical standards, judgment, and confidentiality in all matters.

EDUCATION AND EXPERIENCE:

• Bachelor's degree in a quantitative field (e.g., Business, Economics, Finance, Statistics, Engineering, Math, or Sciences) is required.
• Three (3) years of experience using data-driven analysis to inform business or product strategy.

SUMMARY OF QUALIFICATIONS:

• Strong communication skills.
• Proficiency with SQL or a scripting language (e.g., Python, R).
• Comfort working hands-on with large analytical datasets to perform complex analyses.
• Proficiency with Microsoft Office tools such as Excel and PowerPoint.
• Proven ability to work within cross-functional teams.
• Previous experience in consumer financial services or fintech industries, particularly with lending products.
• Experience with credit policy and/or pricing strategies.
• Ability to work through unconventional problems to identify issues and provide resolutions.
• Strong business acumen and strategic thinking abilities, with a focus on driving results and optimizing performance.

#INDHP

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.

We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.

If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.