Full-Time

Lead Credit Analyst

Confirmed live in the last 24 hours

Wisetack

Wisetack

51-200 employees

Consumer lending platform for point-of-sale financing

Fintech
Financial Services

Compensation Overview

$120.8k - $169.1kAnnually

+ Equity

Senior

Remote in USA

Category
Risk Management
Finance & Banking
Required Skills
Python
R
Git
SQL
Requirements
  • Bachelor’s degree in math, economics, statistics, or other quantitative field
  • 5+ years of experience in an analytical role
  • 2+ years of consumer lending experience, either at a large bank or a fintech
  • Proficiency in SQL, R or Python
  • Proficiency in Data Lake, DBT or Git
  • Excellent written, verbal, and interpersonal communication skills
  • Desire to take ownership of projects and drive them forward
Responsibilities
  • Conduct in-depth trend and portfolio analysis
  • Make recommendations to optimize and enhance our underwriting and credit/fraud decision-making
  • Partner with Analytics, Data Science, and Data Engineering to build data models and automated data reporting
  • Mentor team members on data best practices and help cultivate a data-driven culture

Wisetack operates in the financial services sector, focusing on consumer lending by providing businesses with a platform to offer real-time financing options at the point of sale. This system allows customers to make purchases and pay over time, while businesses receive payment upfront, reducing the risk of late or missed payments. Wisetack's clients include various industries, such as plumbing, electrical services, and auto detailing, across multiple locations. The platform integrates directly with the business software of its clients, enabling customers to apply for financing quickly and securely without the business needing to manage sensitive information. Wisetack generates revenue by charging businesses a fee, typically a percentage of the transaction amount, for using their financing service. The goal of Wisetack is to create a seamless financing experience that benefits both businesses and their customers.

Company Stage

Series B

Total Funding

$91.2M

Headquarters

San Francisco, California

Founded

2018

Growth & Insights
Headcount

6 month growth

-2%

1 year growth

-4%

2 year growth

5%
Simplify Jobs

Simplify's Take

What believers are saying

  • Strategic partnerships with companies like WorkWave and JobNimbus expand Wisetack's market reach and enhance its service offerings.
  • The ability to offer flexible, pay-over-time options can drive higher sales for businesses, making Wisetack an attractive partner.
  • Wisetack's focus on real-time financing solutions positions it well in an economy where consumers are increasingly seeking flexible payment options.

What critics are saying

  • The competitive landscape of consumer lending and point-of-sale financing is crowded, requiring Wisetack to continuously innovate to maintain its edge.
  • Economic downturns or rising interest rates could impact consumer borrowing behavior, affecting Wisetack's revenue.

What makes Wisetack unique

  • Wisetack's seamless integration with business software allows for real-time financing without handling sensitive information, setting it apart from traditional lenders.
  • The platform's focus on point-of-sale financing for in-person services, such as plumbing and auto detailing, targets a niche market often overlooked by larger financial institutions.
  • Wisetack's transparent, customer-friendly financing options enhance user trust and satisfaction, a significant advantage in the consumer lending space.

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