Business Analyst, Home Services Financing

Summary

QuinStreet powers digital performance marketplaces that connect consumers with brands through segmentation, AI-driven matching, and optimization technologies. The Business Analyst will optimize and expand the consumer-financing marketplace by analyzing lender performance, contractor demand, consumer credit profiles, and operational data. The role will identify coverage gaps, growth opportunities, performance issues, and risks while driving cross-functional business decisions.

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