Senior Analyst, Cash Flow Underwriting – Intelligence

One Park Financial

. Own the analysis of merchant financial health from bank-transaction data across applicants and funded merchants.

Posted 10/24/2026full-timePlano • Texas • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in data and credit analytics with a strong focus on financial health assessment, portfolio monitoring, and the ability to translate complex data insights into actionable strategies. Proficient in SQL and Python for data analysis, with experience in financial services and fintech lending.

Highest-signal resume keywords

Data AnalyticsSQLPythonPortfolio MonitoringFinancial Services

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data AnalysisStatistical JudgmentCohort AnalysisPerformance TrackingBank-Transaction Data AnalysisApproval Criteria DefinitionMarket Signal AnalysisAI/LLM ToolingPandasNotebooks

Soft Skills

Business JudgmentCommunication

Tools & Technologies

PlaidAWSDbt

Industry Keywords

FintechLendingMerchant Cash AdvanceRevenue-Based Finance

Tech Stack

Tools & technologies

AWSCloudPandasPythonSQL

About the role

Key responsibilities & impact

Own the analysis of merchant financial health from bank-transaction data across applicants and funded merchants.
Build and maintain portfolio health metrics, cohort views, early-warning dashboards, and monitoring for portfolio stress.
Identify leading indicators of loss and transaction patterns that precede delinquency.
Identify merchants and segments suitable for faster approvals, auto-approval, pre-approved offers, and proactive renewals.
Define approval criteria and partner with Pricing to put them into production.
Use unfunded applicants and businesses that declined offers as market signals.
Surface pricing opportunities where industries or segments are mispriced relative to cash-flow reality.
Translate analytical signals into actions with Pricing and Credit teams and measure outcomes.
Partner with Data Engineering on clean, current, trustworthy data pipelines.
Build lightweight tools and automation, including AI/LLM-assisted workflows, to scale analysis and provide self-serve intelligence to operations teams.
Communicate findings to non-technical and executive audiences using clear visuals and narratives.

Requirements

What you’ll need

5-8 years of experience in data or credit analytics, preferably in Financial Services, Lending, or Fintech.
Bachelor's or Master's degree in a quantitative field (economics, statistics, mathematics, finance, computer science, or similar).
Strong SQL and Python skills; comfortable pulling large datasets and doing the real analysis in pandas/notebooks.
Genuine fluency with bank-transaction / cash-flow data, including deposits, NSFs, balance trends, partial account coverage, seasonality, and survivorship bias in a funded book.
Hands-on experience with Plaid, including connected-account transaction feeds, data quirks, coverage gaps, and structure.
Ability to distinguish struggling segments from segments where approval should increase; understanding that correlation is not a pricing decision.
Experience building portfolio-monitoring or performance-tracking metrics, cohort/vintage analysis, and operational dashboards.
Statistical judgment, including out-of-sample validation, regime-shift analysis, and consideration of base rates.
Excellent business judgment and communication; ability to distill complex analysis for executive audiences.
Experience with small-business, merchant cash advance, revenue-based finance, or fintech lending is a strong plus.
Understanding of modern AI (LLMs, agents, MCPs) and comfort building lightweight tooling on proprietary data is a plus.
Experience with dbt is a plus.
Comfort with cloud data environments; AWS is a plus.

Benefits

Comp & perks

Competitive salary
Local & National Health Insurance
Dental and Vision insurance
Group Medical Bridge
401k with Match
ID Protection: 100% covered by the company
Life Insurance: 100% covered by the company
Generous PTO and holidays
Growth and development opportunities
Dynamic and collaborative work environment
Company events and team-building activities