Business Analyst

Summary

Modernize, a QuinStreet division, simplifies home improvement by connecting homeowners with qualified contractors. The Business Analyst will optimize and expand the consumer-financing marketplace by analyzing lender performance, contractor demand, consumer credit profiles, and operational data to identify opportunities, risks, and performance issues. The role will diagnose problems, recommend actions, develop analytics and scorecards, and collaborate cross-functionally to drive business results.

Responsibilities

• Evaluate lender coverage across FICO bands, loan amounts, states, trades, contractor segments, interest rates, terms, and product types
• Identify contractor and consumer demand not adequately served by the lender network
• Quantify the application, approval, funded-loan, and revenue opportunity associated with closing coverage gaps
• Recommend lender capabilities, products, or underwriting criteria to add or expand
• Develop lender scorecards covering volume, approval rates, funded rates, pull-through, loan size, speed, reliability, economics, and contractor experience
• Determine whether prospective lenders provide incremental coverage or duplicate existing capabilities
• Support lender reviews, commercial discussions, and partner prioritization with data-backed recommendations
• Identify emerging risks across lender performance, contractor behavior, credit mix, consumer demand, operational service levels, fraud, compliance, and concentration
• Detect changes in lender appetite, underwriting, approval rates, product availability, geographic coverage, or funding behavior
• Partner with functional leaders to develop mitigation plans and track corrective actions
• Determine which improvements would increase contractor adoption, application volume, funded volume, and retention
• Partner with Sales and Account Management to identify opportunities and increase financing utilization
• Monitor the financing funnel from contractor onboarding and application submission through approval, documentation, funding, and repeat usage
• Identify funnel leakage, bottlenecks, performance anomalies, and root causes
• Evaluate new lenders, products, pricing changes, partnerships, and strategic investments
• Support planning, target setting, and performance management
• Track performance against targets and explain key variances
• Partner with Product, Engineering, Sales, Account Management, Operations, Finance, Compliance, leadership, and external lenders

Skills

• 4+ years of experience in financial services, fintech, consumer lending, marketplace analytics, business analytics, or strategy
• Experience with consumer-credit or lending products, preferably in home improvement, point-of-sale financing, unsecured lending, or embedded finance
• Strong knowledge of credit segmentation, FICO bands, underwriting criteria, lender economics, and lending-funnel metrics
• Demonstrated ability to identify trends, anomalies, risks, and early warning indicators in complex data
• Advanced SQL and Excel or Google Sheets skills
• Experience with Tableau, Power BI, Looker, or a similar platform
• Strong financial modeling, forecasting, and scenario-analysis skills
• Excellent written, verbal, and executive communication skills
• Ability to influence cross-functional decisions without direct authority
• Strong ownership, urgency, judgment, and attention to detail
• Experience with a multi-lender marketplace or lender-routing platform
• Familiarity with home-improvement financing and contractor distribution
• Experience evaluating lender underwriting boxes and coverage gaps
• Understanding of fair lending, compliance, fraud indicators, and data governance
• Experience supporting lender negotiations or credit-product expansion
• Familiarity with statistical analysis, experimentation, or predictive modeling

Qualifications

Must Haves

• 4+ years of experience in financial services, fintech, consumer lending, marketplace analytics, business analytics, or strategy
• Experience with consumer-credit or lending products, preferably in home improvement, point-of-sale financing, unsecured lending, or embedded finance
• Strong knowledge of credit segmentation, FICO bands, underwriting criteria, lender economics, and lending-funnel metrics
• Demonstrated ability to identify trends, anomalies, risks, and early warning indicators in complex data
• Advanced SQL and Excel or Google Sheets skills
• Experience with Tableau, Power BI, Looker, or a similar platform
• Strong financial modeling, forecasting, and scenario-analysis skills
• Excellent written, verbal, and executive communication skills
• Ability to influence cross-functional decisions without direct authority
• Strong ownership, urgency, judgment, and attention to detail
• Experience with a multi-lender marketplace or lender-routing platform
• Familiarity with home-improvement financing and contractor distribution
• Experience evaluating lender underwriting boxes and coverage gaps
• Understanding of fair lending, compliance, fraud indicators, and data governance
• Experience supporting lender negotiations or credit-product expansion
• Familiarity with statistical analysis, experimentation, or predictive modeling

Benefits

• Performance bonus or commission
• Equity in the form of restricted stock units
• Health care benefits
• Retirement benefits
• Paid sick leave
• Parental leave
• Paid time off
• Vacation benefits
• Other tax-reportable benefits