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-timeSalt Lake City • Utah • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in data and credit analytics within Financial Services, leveraging strong SQL and Python skills to analyze bank-transaction data and build actionable insights. Proficient in developing portfolio health metrics and operational dashboards while effectively communicating complex findings to diverse audiences.

Highest-signal resume keywords

Data AnalyticsSQLPythonCredit Risk JudgmentPortfolio Monitoring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data AnalysisStatistical JudgmentCohort AnalysisPerformance TrackingBank-Transaction Data AnalysisCash-Flow AnalysisPortfolio Health MetricsAutomationAI/LLM ToolsRegime-Shift Analysis

Soft Skills

Business JudgmentCommunication Skills

Tools & Technologies

PandasNotebooksPlaidAWSDbt

Industry Keywords

Financial ServicesLendingFintechMerchant 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, and early-warning dashboards.
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 pricing differs from cash-flow reality.
Translate signals into actions with Pricing and Credit teams and measure results.
Partner with Data Engineering on clean, current, trustworthy data pipelines.
Build lightweight tools and automation, including AI/LLM-assisted workflows and self-serve intelligence for 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, connected-account transaction feeds, their quirks, coverage gaps, and data structures.
Credit-risk judgment covering both tightening criteria and identifying opportunities to approve more.
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 base-rate assessment.
Excellent business judgment and communication skills, with the 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