Senior Associate, Data Science

First Help Financial (FHF) is a fast-growing and culturally diverse company in the U.S. We provide auto loans to the underserved and care for our customers and partners with exceptional service. Through flexible financing options and tri-lingual support, we offer consumers an easier way to finance their first car. We lend to and support our portfolio which has consistently grown 30%+ each year over the last nine years.

Here you will find hard-working colleagues who come from over 20 countries. We hold ourselves to the highest standards of professionalism but also enjoy our work. Our culture and benefits are geared towards making you successful in life and comfortable at work.

Learn more about our awesome Analytics team!

The Senior Associate, Data Analytics role will work closely with the manager and department head of analytics to support the company’s growth through high-impact analyses across internal and external data sources. As part of a small Advance Analytics & Enterprise Data team, you will own analytics work streams end-to-end—from framing the question and building the dataset to delivering clear, executive-ready insights that inform decision‑making, surface emerging risks and opportunities, and improve performance.

Your duties include, but are not limited to:

• Build and maintain analytical infrastructure to monitor portfolio performance, including KPI dashboards, recurring reporting, and self‑serve tools.
• Derive analytical insights from portfolio data and evaluate risk profile trends.
• Provide insights beyond the data by connecting quantitative findings with business context, customer behavior, and market dynamics; identify trends and leading indicators not directly visible in core datasets.
• Develop pricing models to evaluate and price bulk portfolios for purchase.
• Conduct analysis on portfolio impact due to changes in macroeconomic factors and make business recommendations.

• Develop metrics to monitor and improve funder and underwriter effectiveness along several key credit dimensions.
• Formulate actionable tasks to lower delinquency rates, losses and roll‑rates.
• Ideate and innovate superior collection strategies to increase the effectiveness and efficiency of collector activities.
• Identify and support operational process improvements by leveraging technology and analytical tools; help standardize and automate report generation and data quality monitoring.

• Partner with Servicing Operations team to leverage analytics to develop superior operational processes.
• Partner with Technology team for evaluation and roll out of cutting‑edge innovation in financial technology.
• Coordinate with Risk team to refine existing underwriting models and build newer risk models.
• Support the manager and director with ad‑hoc analyses to address specific business problems; synthesize findings into clear, executive‑ready narratives and recommended actions.
• Partner with Data Engineering team to build AI ready dataset.

• Bachelor’s degree in Finance, Statistics, Mathematics, Engineering or similar is required.
• 4+ years of experience in analytics, business intelligence, data science, or statistical modeling.
• Strong proficiency with SQL and relational databases.
• Strong proficiency with BI tools (e.g., Sigma, Tableau, Power BI).
• Strong written communication skills, with an ability to create clear and concise communication.
• Strong oral communication skills, with experience presenting insights to stakeholders.
• Basic exposure to translating a business problem into a structured analysis. Experience in analyzing large and complex data sets.
• Experience in business analytics and data‑based decision making.
• Experience with data scripting language (Python, SAS, R).

• Master’s in a highly quantitative discipline such as Statistics is preferred.
• 2+ years experience in a consulting capacity.
• Experience with…