The Fintech & Loyalty (F&L) organization builds and manages the foundational systems, financial products, and fraud detection and prevention services that provide customers with a secure, seamless, and rewarding payment experience. 

F&L partners with 30+ organizations worldwide to provide a robust selection of gifting, paying, and financing options, to securely process $12B+ in annual transaction volume, and to detect, prevent, and mitigate fraud.  

Within F&L, the commercial team is responsible for:

Lowering Wayfair’s total cost of payments. 

• Actively managing our payment processing relationships 
• Tightly monitoring invoices for accuracy, proactively engaging partners to identify cost reduction opportunities 
• Optimizing the mix of payment methods used at checkout

Delivering profitable growth of F&L’s portfolio of payment products (e.g., loyalty credit cards, Wayfair Financing marketplace, gift cards).

• Setting business strategy, influencing prioritization and resourcing decisions
• Actively managing partnerships to maintain strategic alignment, tightly monitoring contractual SLAs and business performance  
• Driving product adoption and usage through year-round, multi-channel marketing initiatives both on and off Wayfair
• Negotiating favorable program economics with our partners to ensure as our programs grow, we deliver incremental value to Wayfair 

Protecting customers and Wayfair from bad actors throughout the customer journey.  

• Managing partnerships to increase approval rates and drive fraud out of the system
• Building in-house services and capabilities to detect, prevent, and mitigate fraud

As a Senior Analyst on the Global Financing team you will support the marketing and business operations for our consumer financing payment methods across North America and Europe.

What You’ll Do

• Influence and execute the marketing strategy of Wayfair’s consumer financing products, driving both new customer acquisition and reuse 
• Oversee day-to-day business operations of our financing programs, including payment processing or settlement issues, liaising with internal stakeholders across Finance, Fraud, Order Processing, and Sales & Service teams to drive resolution. 
• Analyze program performance, identify trends, and create opportunities for improvements while reacting to deviations from the original plan quickly and strategically.
• Support strategic relationships with your program’s third-party partners to maximize business opportunities available. 
• Partner with functional leads in Product, Engineering, Analytics to influence and drive initiatives that improve the customer experience while driving profitable growth to Wayfair. Ensure initiatives on our roadmap are launched on time, are of a high quality, and meet the key metric targets. 
• Maintain industry expertise and synthesize opportunities from market and competitive trends

What You’ll Need

• 2+ years of experience, ideally in marketing, management consulting, business strategy, startup/tech, and/or finance
• Strong verbal and written communication skills - ability to leverage data from a multitude of sources to tell a persuasive story, tailor communication style based on the audience, and influence others
• Ability to effectively collaborate with cross functional stakeholders to drive results
• Excellent critical thinking and  problem solving skills and comfort getting deep into the data; experience building a strategy based on data-driven insights
• Ability to handle multiple priorities, learn quickly, and thrive in a fast-paced environment
• Comfort in drawing conclusions from data and making recommendations based on imperfect information
• Ability to independently own and execute on solutions to complex problems
• “Get stuff done” attitude – willingness to roll up your sleeves and engage deeply with analysts and managers, across multiple teams and agendas, to accomplish what needs to be done
• Proficiency in Excel, SQL/Big Query or other analytical tools preferred