Sr. Lead Analyst, Merchant

JOB TITLE: Sr. Lead Analyst, Merchant

LOCATION: Los Angeles, CA (Hybrid in our Westwood Office, 3 days/ week)

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:

As a Senior Lead Analyst, you will serve as a strategic thought partner to Merchant leadership and key business stakeholders. This role goes beyond reporting on historical performance- you will deliver proactive, data-driven insights and actionable recommendations that influence business strategy and optimize portfolio performance. You will own complex analyses across the merchant and loan portfolios, identify growth opportunities and operational efficiencies, and develop scalable analytics solutions that enable data-driven decision-making across the organization. Your work will directly support high-impact initiatives and help drive seamless operational execution.

REQUIREMENTS

What you’ll do:

• Executive Advisory & Influence: Serve as the primary analytical "North Star" for Merchant executive leadership, translating complex data into high-stakes business strategy and actionable investment cases.
• Visionary Roadmap Ownership: Architect and evangelize a long-term analytical roadmap that anticipates the needs of the Merchant and Loan portfolios, ensuring data capabilities scale ahead of business growth.
• Institutionalize Data-Driven Decisioning: Build predictive and prescriptive modeling , to elevate merchant operations and loan management
• Portfolio Governance & Performance: Establish the "Golden Source" for all Merchant KPIs, owning the health, profitability, and risk frameworks that guide Sunbit’s core business engine.
• Optimize the Ecosystem: Design and oversee sophisticated experimentation frameworks (A/B testing, incrementality, and elasticity modeling) to maximize associate engagement and merchant lifecycle value.
• Strategic Prioritization: Act as the final arbiter for analytical resources, balancing immediate operational needs with long-term scalable solutions that de-risk the merchant journey.
• Cross-Functional Orchestration: Lead high-level collaboration with Product, Engineering, and Business leadership to ensure the data infrastructure is robust enough to serve the analytical needs of the organization
• Operational Excellence: Engineer automated, high-fidelity monitoring systems that proactively identify friction points in the merchant funnel, ensuring a seamless operational experience at scale.
• Team Mentorship: Provide guidance and professional development to senior-level analysts, fostering a culture of technical excellence and business-first thinking.

What You'll Bring:

• 10+ years of relevant analytical experience with a bachelor’s degree or a master’s degree in quantitative fields like (Analytics, Mathematics, Statistics, Economics, Engineering etc.)
• Expert proficiency in SQL and other languages like python/R
• Strong understanding of Data governance principles
• Proficiency in leveraging BI tools like Tableau/Sigma to support business operations and executive storytelling
• Expert at distilling complex analytical findings into simple yet compelling narratives



We are looking for someone who:

• Is a Strategic Architect: You don't just build dashboards; you build frameworks that change how a business operates.
• Is Executive-Ready: You can present to a CEO or Board of Directors with clarity, confidence, and a "so-what" focused mindset.
• Embodies Ownership: You take full accountability for the Merchant data domain, from the integrity of the pipelines to the accuracy of the insights.
• Master’s the "80/20" at Scale: You know when to dive deep into data and when to move fast and right size solutions.

How We Pay:

• We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership.
• We are targeting a salary of $160,000 - $190,000 per year for this role
• This role will also be granted company equity via stock options

Why Choose Sunbit?

Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.

People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.

The Perks:

• Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024)
• Mission driven + empowered + collaborative
• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Parental Leave
• Newly added HSA and Pet Insurance
• 401K Plan with Matching
• Cell Phone Stipend
• Team based strategic planning + Team owned deliverables

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.

Recruitment Fraud Disclaimer

We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @ sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm.

We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.

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