• Analyst Manager, Direct Marketing

    Req No.
    Regular Full-Time
    US-CA-San Carlos
  • Overview

    Oportun is a financial technology company founded in 2005. Our mission is to provide affordable loans that help people with little or no credit history establish credit and build a better future. Oportun uses advanced data analytics and technology to “score” and lend money to individuals who other lenders consider “unscorable” because of their limited credit history.


    Between our first loan in 2006 and March 2018, Oportun disbursed more than $5 billion in 2+ million affordable loans. During that time, Oportun customers also saved more than $1.1 billion in interest and fees by choosing an Oportun loan instead of one of the alternatives that are widely available to people with little or no credit history.


    In recognition of Oportun’s goals of increasing economic opportunity for our clients, promoting community development, and serving low-income or underserved communities, Oportun was certified by the United States Department of Treasury as a Community Development Financial Institution or CDFI. 


    Oportun is a great place to work if you are as enthusiastic about helping others as you are about your own professional development and career. As our CEO Raul Vazquez says, “Earning a paycheck to support yourself and your family is critical. Satisfying career ambitions is rewarding. But there is no greater privilege than having a challenging job where you are growing and learning professionally, while having a strong positive impact on the lives of others… And that is what we do here every day.”


    Risk Management at Oportun:


    We are growing our world-class team of mission-driven risk managers who are passionate about broadening financial inclusion by untapping insights from alternative data. Be part of the team responsible for developing and running Oportun’s marketing optimization platform that leverages Oportun’s core intellectual property for scoring risk for underserved consumers that often lack a traditional credit score or are mis-scored by traditional credit bureaus. In this role you will be working with large and diverse alternative data sets and machine learning to execute multi-product and multi-channel marketing programs.  You will also drive growth and optimize marketing spend across multiple products and channels by leveraging alternative data to help predict which consumers would likely be interested in one of Oportun’s affordable, credit building lending products.




    As a Senior Analyst/Analyst Manager of Direct Marketing you will ensure that targeted marketing campaigns are delivered on time, meet all compliance requirements and are executed flawlessly.  You will play a major role in enhancing the platform used to score and select prospects across multiple products and channels.  This highly visible role drives the process and manages the platform leveraged for Oportun’s largest marketing programs.  This role reports to the Director of Risk Management and partners with the Marketing and Data Science teams to streamline processes, improve segmentation and drive improved campaign performance.  This is an exciting opportunity in a fast-paced organization where your contributions will have a meaningful impact on increasing access to lending products for consumers with little or no credit history.



    • Execute monthly marketing campaign process while meeting deadlines and ensuring flawless execution
    • Build and enhance platform leveraged for multi-product and multi-channel direct marketing efforts by improving automation, leveraging new data sources and allocating marketing budget more efficiently
    • Analyze, monitor and optimize marketing campaign performance by adjusting risk and response model scores while minimizing cannibalization across products and channels
    • Implement machine learning risk and response models for multiple products and channels
    • Identify target populations, size addressable market and help derive segmentation
    • Build required data infrastructure by partnering with engineering
    • Forecast key performance metrics such as new applications and loans by channel
    • Coordinate and communicate the delivery schedule for marketing campaigns
    • Maintain organized records needed comply with legal and compliance requirements


    • Bachelor’s degree in Engineering, Computer Science, Statistics, Mathematics, Economics, Business or other quantitative discipline
    • Strong problem solving, programming and communication skills
    • 4+ years of experience analyzing data to identify insights and utilizing insights to drive desired business outcomes
    • 4+ years of experience programming SAS at an advanced level
    • 3+ years of coding experience in SQL and Python. Familiarity with JAVA
    • Experience designing processes that leverage large amounts of data
    • Experience managing complex projects while being able to prioritize and multitask
    • 2+ years of experience in building relational and non-relational Big Data infrastructure
    • Comfortable in a high-growth, fast-paced and agile environment
    • Advanced Microsoft Excel and PowerPoint skills
    • Excellent written and oral communication skills


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