Sr. Lead Analyst, Merchant

Description

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