Transcarent is looking for a Financial Analyst to support our unsecured consumer lending platform through 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.

What You'll Do

Build and maintain credit performance analytics for unsecured consumer portfolios, including vintage/cohort views, delinquency roll rates, and charge-off tracking.
Develop scenario and sensitivity analyses to quantify the impact of underwriting and policy changes on portfolio cash flows and losses.
Support day-to-day execution for warehouse lenders and forward flow partners, including recurring reporting and performance discussions.
Own borrowing base and eligibility reporting, including loan tape preparation, eligibility flags, concentrations, and tie-outs to source systems.
Produce and QA monthly investor/lender reporting packages, including servicing reports and compliance certificates.
Track and monitor covenants and triggers across facilities, such as concentration limits, performance triggers, and liquidity covenants.
Act as connective tissue across Credit, Servicing, Data/BI, Accounting, Treasury, and Legal/Compliance to deliver analysis on time.
Run workstreams by defining requirements, timelines, milestones, and providing weekly status updates.
Improve processes through automation and controls, including reconciliation checklists and documented SOPs.

What We're Looking For

Bachelor’s degree in Finance, Economics, or a related field.
3+ years of experience in financial analysis, credit analytics, or capital markets operations.
Direct experience with unsecured consumer lending performance analytics (DQ buckets, roll rates, vintage tracking).
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.
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.