Financial Analyst

Job Title:
Financial Analyst

Department:
Finance / Capital Markets

Location:
Remote

Reports To:
Head of Capital Markets

Type:
Full-Time

FLSA:
Exempt

Financial Analyst (Capital Markets & Credit Analytics)
Job Summary
BMG Money is hiring a Financial Analyst with 3+ years of experience to support our unsecured consumer lending platform through disciplined credit analytics and capital markets execution. This role sits at the intersection of credit modeling, borrowing base management, investor reporting, covenant tracking, and partner communication across our warehouse lenders and forward flow counterparties. The Financial Analyst helps ensure financing facilities operate smoothly, reporting is accurate and on-time, and internal teams stay aligned on deliverables that impact liquidity and investor confidence.

Supervisory Responsibilities

• None.

Duties/Responsibilities

• Credit Analytics & Scenario Modeling

• Builds and maintains credit performance analytics for unsecured consumer portfolios, including vintage/cohort views, delinquency roll rates, and charge-off tracking.

• Develops scenario and sensitivity analyses to quantify the impact of underwriting and policy changes on portfolio cash flows and losses.

• Creates decision-ready views that translate performance drivers into expected outcomes for stakeholders in Credit, Risk, and leadership.

• Warehouse Lender & Partner Support

• Supports day-to-day execution for warehouse lenders and forward flow partners, including recurring reporting and performance discussions.

• Owns borrowing base and eligibility reporting, including loan tape preparation, eligibility flags, concentrations, and tie-outs to source systems.

• Maintains clean partner deliverables and repeatable processes to ensure consistency month-to-month.

• Investor Reporting & Covenant Tracking

• Produces and QAs monthly investor/lender reporting packages, including servicing reports and compliance certificates.

• Tracks and monitors covenants and triggers across facilities, such as concentration limits, performance triggers, and liquidity covenants.

• Maintains a covenant calendar and internal tracker with clear ownership, due dates, and escalation paths.

• Internal Coordination & Project Management

• Acts as a connective tissue across Credit, Servicing, Data/BI, Accounting, Treasury, and Legal/Compliance to deliver analysis on time.

• Runs workstreams by defining requirements, timelines, milestones, and providing weekly status updates.
• Improves processes through automation and controls, including reconciliation checklists and documented SOPs.

Required Skills/Abilities

• Technical & Operational Skills

• Advanced proficiency in Excel/Google Sheets for structured models and sensitivity tables.

• Proficiency in SQL for data pulls, transformations, and reproducibility.

• Strong cross-functional project management skills and experience building controls like reconciliation checklists.

• Communication & Analytical Skills

• Clear communicator able to present and write in a way that lenders and internal executives can trust.

• Strong analytical judgment to isolate drivers, quantify impact, and make actionable recommendations.
• High level of accuracy with a focus on tight tie-outs and low error rates.

Education and Experience

• Bachelor's degree in Finance, Economics, or a related field (implied by role).
• 3+ years of experience in financial analysis, credit analytics, or capital markets operations required.
• Direct experience with unsecured consumer lending performance analytics (DQ buckets, roll rates, vintage tracking) required.
• Experience in fintech, specialty finance, or consumer lending strongly preferred.
• Experience with Looker/BI dashboards or Python/R for automation is a plus.

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to communicate effectively via video conferencing and utilize digital collaboration tools for prolonged periods.