The Challenge
Sunbit is scaling AI-native financial tech across 30,000+ merchant locations with 90%+ approval rates. You'll architect the analytical backbone that turns merchant data into strategic decisions that move the needle on loans portfolio growth and operational excellence.
Your Mission
Audit current merchant analytics stack, identify gaps in KPI governance, and establish the 'Golden Source' for all Merchant metrics
Build foundational predictive models for merchant lifecycle value and loan portfolio risk to inform Q1-Q2 strategy decisions
Design and socialize the 12-month analytical roadmap with Merchant exec leadership and secure resource alignment
Launch first cross-functional experimentation framework (A/B testing blueprint) with Product and Engineering
Deploy elasticity and incrementality models that quantify ROI on merchant engagement programs and pricing strategies
Scale prescriptive analytics to Operations: real-time dashboards flagging merchant health risks and loan performance anomalies
Establish portfolio governance framework (KPI thresholds, risk scoring, profitability tiers) that gates major merchant/loan decisions
Hire and onboard 2-3 analytics engineers; document analytical infrastructure and best practices for institutional knowledge
KPIs You'll Own
Merchant Approval Rate by Vertical
Track 90%+ approval rate targets across auto service, dental, optical, vet segments to ensure pricing and decisioning consistency.
Merchant Lifetime Value (MLV)
Revenue per merchant cohort, retention curves, and profitability across acquisition channels and verticals.
Loan Portfolio Performance
Charge-off rates, prepayment behavior, and risk-adjusted returns by merchant and consumer cohort.
Experimentation Velocity
Number of live A/B tests, incrementality studies, and analytical insights shipped to Product per quarter.
Data Infrastructure Uptime & SLA
Golden Source availability, dashboard/model refresh frequency, and time-to-insight for urgent business questions.
Tools & Stack
Your Team
Your Manager
Head of Data
Current Team
Merchant Analytics team (size not specified; expect 2-4 analytics engineers/analysts reporting to you)
New leadership role; likely backfill or expansion of existing team
The Package
Salary
$180K-$220K base
Variable
Likely 15-25% annual bonus tied to growth metrics
Equity
RSUs or stock options standard for fintech director roles
Remote
Hybrid in Westwood office, Los Angeles Metropolitan Area
Benefits & Perks
Company Intelligence
Sunbit is an AI-native fintech platform enabling fast, fair pay-over-time options at 30,000+ merchant locations (auto service, dental, optical, vet). The company serves consumers and merchants with 90%+ approval rates, transparent terms, and zero consumer fees. Backed by venture capital, Sunbit pairs advanced AI decisioning with inclusion-first financial services.
Customers
30,000+ in-person merchant locations; consumers at point-of-sale for high-ticket services
Culture
People-centered: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. Data-driven decision making at scale.
Is This Role For You?
- You've led analytics teams or owned analytics strategy at a B2B2C or fintech company; you're comfortable with merchant P&L accountability
- You thrive translating complex data into executive narratives and high-stakes business strategy-not just dashboards
- You've built or scaled predictive/prescriptive models (churn, LTV, risk scoring, pricing elasticity) in production systems
- You love designing experimentation frameworks and own analytical prioritization as a strategic lever, not just a support function
- You want to impact a mission: democratizing financial access at scale with transparency and zero predatory fees
- You're looking for a hands-on analyst role; this is leadership and strategy, with significant delegation and cross-functional influence required
- You need fully remote work; this is hybrid in Westwood, LA with office presence expected
- You're uncomfortable with ambiguity or prioritization trade-offs; Merchant analytics will demand constant resourcing decisions
- You lack experience building and shipping production analytics; this role requires deep technical credibility and infrastructure ownership
Interview Process
Recruiter Screen
15-20 min: background fit, motivation, analytics philosophy
Analytics Deep Dive
60 min with Head of Data: past projects, modeling approaches, how you've scaled analytics infrastructure
Business Case Study
60 min: given a merchant/loan portfolio problem, design your analytical approach and present findings
Merchant Exec Alignment
45 min with Merchant leader(s): leadership philosophy, how you'd advise on strategic decisions, cross-functional collaboration
Offer & Close
Compensation, start date, team structure discussion
Ready when you are
Interested in this role?
Apply now and hear back within days, not weeks.
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