Business Analyst

Company Overview

At Modernize (a Quin Street division) our mission is to simplify home improvement by inspiring motivated homeowners and connecting them with qualified contractors. Our foundation is based on 20 years as a driving force as Home Improvement Leads in online lead generation – connecting homeowners with high–quality contractors – in the $500 billion annually grossing home improvement market. We’re working hard on a new brand and new products to cater to homeowners and the most successful contractors in the industry.

We’re looking for sharp, motivated individuals to join our growing team. Teammates who enjoy using technology to solve problems will thrive in our dynamic startup environment. We have an open floor plan that encourages the entire team to participate in critical discussions and allows everyone to be a vital contributing factor. You’ll enjoy our hip, newly renovated office in the heart of downtown with a view of the capital and the downtown skyline.

360 Finance is seeking an experienced Business Analyst to optimize and expand our consumer‑financing marketplace. This role will translate lender performance, contractor demand, consumer credit profiles, and operational data into business decisions.

The Business Analyst will identify coverage gaps, growth opportunities, performance issues, and emerging risks. The ideal candidate combines financial‑services experience, analytical rigor, commercial judgment, and the ability to operate in a fast‑moving, high‑pressure “startup on steroids” environment.

This is not a reporting‑only role. This person will diagnose issues, recommend actions, and work across the organization to drive results.

• Evaluate lender coverage across FICO bands, loan amounts, states, trades, contractor segments, interest rates, terms, and product types.
• Identify contractor and consumer demand not adequately served by the lender network.
• Quantify the application, approval, funded‑loan, and revenue opportunity associated with closing coverage gaps.
• Recommend lender capabilities, products, or underwriting criteria to add or expand.
• Develop lender scorecards covering volume, approval rates, funded rates, pull‑through, loan size, speed, reliability, economics, and contractor experience.
• Determine whether prospective lenders provide incremental coverage or duplicate existing capabilities.
• Support lender reviews, commercial discussions, and partner prioritization with data‑backed recommendations.

• Identify emerging risks across lender performance, contractor behavior, credit mix, consumer demand, operational service levels, fraud, compliance, and concentration.
• Detect changes in lender appetite, underwriting, approval rates, product availability, geographic coverage, or funding behavior.
• Partner with functional leaders to develop mitigation plans and track corrective actions.

• Determine which improvements would increase contractor adoption, application volume, funded volume, and retention.
• Partner with Sales and Account Management to identify opportunities and increase financing utilization.

• Monitor the financing funnel from contractor onboarding and application submission through approval, documentation, funding, and repeat usage.
• Identify funnel leakage, bottlenecks, performance anomalies, and root causes.
• Evaluate new lenders, products, pricing changes, partnerships, and strategic investments.
• Support planning, target setting, and performance management.
• Track performance against targets and explain key variances.

• Partner with Product, Engineering,…