Principal Business Analyst, Collections & Recoveries

Job Description

Job Description

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we're enabling people to unlock real financial progress. Sound like a mission you can get behind?

We're seeking a data-driven problem solver with sharp analytical skills and a strong customer focus to join our Collections & Recoveries team as a Business Analyst.

The impact you'll make in this role :

You'll play a key role in shaping and advancing our Loss Mitigation strategy through rigorous analytics across credit, product, and operations—grounded in a sensitive and sensible approach that puts our customers at the center.

You'll take real ownership of solving delinquency-related challenges, uncovering actionable insights, influencing strategy, and driving meaningful change for both our customers and our business.

Along the way, you'll gain exposure to industry veterans across finance, product, and software engineering and sharpen your skills across credit, analytics, operations, and technology.

As a Business Analyst on the Collections & Recoveries team, you will :

• Package quantitative and qualitative insights into clear, concise business cases to influence leadership and drive real outcomes.
• Leverage a combination of data, technology and customer-back thinking to deliver key initiatives that enable our customers and our business to succeed.
• Work closely with partners across Product, Credit, Finance, Engineering and Operations to understand the current state and identify opportunities to improve economics, customer experience, risk, and efficiency.
• Continuously analyze current business and operational data and processes to identify improvement opportunities. Learn fast and act like an owner by proactively seeking out information and solving complex problems.
• Leverage analytical findings to build best-in-class C / R capabilities in areas like Segmentation, Offer Strategy, Contact Strategy & Operational Infrastructure to best serve delinquent / charged off customers in resolving their debt and improving their financial lives.

You'll thrive in this role if you have :

Compensation

Annual full-time base salary range : $117,000 - $143,000

Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes unlimited paid time off, 401(k) match, a monthly wellness stipend, health / dental / vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.

About Mission Lane :

Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia.

It all started with a realization : nearly fifty percent of the adult population in the U.S. doesn't have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn't do.

In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores.

Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.

Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member.

Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status.

Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting peopleexperience@missionlane.com.

Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.

Application Integrity :

Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete.

Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.