Senior Analyst, Cash Flow Underwriting & Intelligence

Senior Analyst

One Park Financial (OPF) is a leading Financial Technology company dedicated to empowering small businesses by connecting them with flexible financing and funding options. Our mission is to provide entrepreneurs with the working capital they need to elevate their businesses. At OPF, we believe in working with high-performing individuals who are ready to play an integral part in our company's expansion because our success hinges on our people.

At OPF, we foster a dynamic and inclusive company culture that emphasizes collaboration, innovation, and personal growth. Our team is composed of passionate, driven individuals who are committed to making a difference. Here's what you can expect when you join our team:

• Innovative Environment: Work with cutting-edge technology and be part of a team that is constantly pushing the boundaries of fintech.
• Professional Growth: We invest in our employees' growth with continuous learning opportunities, training programs, and career advancement paths.
• Supportive Culture: Enjoy a supportive and inclusive work environment where your ideas are valued, and your contributions make a real impact.
• Community Focus: Be part of a company that understands the importance of small and mid-sized businesses to their communities and the nation's financial health.
• High-Performing Team: Join a team of badasses who are committed to excellence and are integral to our company's expansion and success.

We fund small businesses, and the richest thing we know about them is their bank activity. Every applicant and every merchant we fund connects their accounts, which gives us deposits, balances, withdrawals, NSFs, and revenue trends on tens of thousands of businesses every week. Most of that signal is not yet used.

We are looking for a Senior Analyst to own that data as an analytical asset and turn it into decisions: who we should approve and how fast, where the portfolio is heading, and the growth we're currently leaving on the table.

This cuts both ways, and that's what makes the role bigger than credit. On defense, you'll continuously monitor the health of the portfolio and find the cash-flow patterns that move weeks ahead of losses. On offense, you'll find the merchants whose bank data says we should be saying yes, and saying yes faster: the businesses with strong, steady trends who are prime candidates for auto-approval, pre-approved offers, and renewals. You'll use the applicants we don't fund as a market signal, and you'll work directly with our Pricing and Credit teams to turn all of it into action.

This is not a reporting role. You'll be the person who can answer, straight from the data, "is this segment getting healthier or weaker, who in it should we be approving, and what should we do about pricing and renewals?"

We are a very AI-forward company, and we expect our analysts to work that way. We want someone who leans on modern AI and LLM tooling to make their own analysis faster and sharper, and who is excited to help build intelligence directly into how the business runs.

We want to work with high-performing badasses who see the whole picture and make everyone around them better.

Responsibilities:

• Own the read on merchant financial health from bank-transaction data (cash runway, deposit velocity, revenue volatility, NSF and negative-day patterns) across both applicants and funded merchants.
• Own ongoing portfolio monitoring: build and maintain the health metrics, cohort views, and early-warning dashboards that tell us how the book is performing and where it's drifting, so the business sees stress building before it shows up in the numbers.
• Find leading indicators of loss, segments where transaction trends move weeks ahead of delinquency, and turn them into monitoring that flags stress before it hits the portfolio.
• Find where we should be growing: identify the merchants and segments whose cash-flow trends say we should approve them, and build the case to say yes faster, including candidates for auto-approval, pre-approved offers, and proactive renewals. You'll define the criteria and partner with Pricing to put them into production.
• Use the applicant pool we don't fund as a market signal: businesses we declined and businesses that declined us are a less biased read on where industries are heading than our own book.
• Surface pricing opportunities: industries and segments where we're mispriced relative to their cash-flow reality, in either direction.
• Translate signals into action with the Pricing and Credit teams (faster approvals and better offers in strengthening segments, tighter criteria in weakening ones) and measure whether the actions actually worked.
• Partner with Data Engineering on the pipelines that keep this data clean, current, and trustworthy.
• Build lightweight tools and automation, including AI/LLM-assisted workflows, to scale the analysis and put self-serve intelligence in the hands of the operations teams.
• Communicate findings clearly to non-technical and executive audiences with clean visuals and a clear story.