Credit Manager - Loss Forecasting & Analytics

Mission Lane is revolutionizing access to credit to pave a clear way forward for millions of Americans on the path to financial success. By attracting top-tier talent and leveraging cutting-edge technology, we’re redefining consumer credit for the better. Sound like a mission you can get behind?

Mission Lane is looking for a Credit Manager on the Loss Forecasting & Analytics team (remote) to join our geographically diverse team.

The Impact You’ll Make in this Role:

At Mission Lane, our analysts work on business problems that touch all facets of the business and have the opportunity to work on different teams within the organization as their careers develop. This team is responsible for managing loss forecasting initiatives, assessing key portfolio risks, and ensuring accurate loss projections to support strategic decision-making. They own the development and enhancement of forecasting models, monitor credit performance trends, and collaborate cross-functionally to align risk strategies with business objectives. By leveraging advanced analytics and scenario modeling, they provide data-driven insights that optimize credit policies, capital allocation, and portfolio profitability while maintaining Mission Lane’s commitment to financial inclusion.

As a Credit Manager you will:

• Forecasting and Analytics
  Lead the loss and revenue forecasting and analytics for financial planning and strategic insight. Leverage existing models and develop new ones to improve forecast accuracy
• Analyze Portfolio Performance
  Set up a key risks framework to highlight weaknesses in the portfolio. Implement both a hypothesis driven and hypothesis free monitoring to monitor against the key risks outlined
• Collaborate Cross-Functionally
  Collaborate with partner teams (data science, finance, credit) to implement hypothesis free monitoring and socialize insights
• Drive Strategic Decision-Making
  Regularly communicate with senior management to present findings from key risks monitoring and financial forecast to drive capital allocation and portfolio profitability

Qualifications

• Proven ability to problem solve end-to-end: from framing the question and forming a hypothesis, to analyzing the data, to communicating and debating the answer with other stakeholders
• Familiarity with SQL, python, or other tools for data analysis
• 4 - 7 years of experience in a highly analytical role
• Bachelor’s or Masters in Economics, Finance, Engineering, Mathematics, or similar quantitative field with record of strong academic performance

Preferred Qualifications 

• Experience doing analytical work with credit cards or other consumer lending products
• Experience helping scale a business in a fast-paced startup environment
• Expertise in SQL or Python

At Mission Lane, we’re all about making a real impact—and that starts with our people. We’re looking for bold thinkers who are ready to take on new challenges. If you need accommodations to perform at your best during the application or interview process, let us know—we’ve got you.

We believe in supporting our team inside and outside of work. Our comprehensive benefits package* is designed to help you thrive:

• Work – A dynamic, mission-driven culture with training programs and career growth opportunities.
• Life – Comprehensive health, dental, and vision coverage, an FSA for medical and childcare expenses, paid parental leave, and a 401(k) with company match.
• Balance – Generous PTO, flexible schedules, a Calm App subscription, and more to support your well-being.
• Compensation – A competitive salary with a target base of $145,000 - $165,000 USD.

We’re building something big—come be a part of it.

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 three 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.

Interested in learning more? Check out The Mission Lane Junction for articles on culture, credit, and community, and The Mission Lane Newsroom for media mentions.

 *****

At Mission Lane, we’re committed to a workplace built on respect and dignity, where everyone has the opportunity to contribute. We believe diversity in all forms makes us stronger, and we intentionally foster an inclusive environment where employees feel valued, respected, and free to be their true selves. We are proud to be an equal opportunity employer and do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity, 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 peopleops@missionlane.com.

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

Each Laner is responsible for keeping Mission Lane informed of their primary work location within the United States. Changes to a Laner's work location may result in changes to certain benefits based on local policies and requirements. If a Laner desires to move to an approved state within the US, we ask that they notify People Operations at least 30 days prior to moving.