Data Analyst, Credit Cards (NPV & Unit Economics)

We’re looking for a Middle+ Data Analyst to work on the heart of the credit cards profitability engine - to build and maintain our end-to-end NPV / unit economics model.

The role goes beyond reporting - you will help the Head of Economics implement model logic in Python/SQL, automate data flows, validate outputs against real portfolio performance, and deliver decision-ready results. Each task is evaluated through the lens of business value.

KEY RESPONSIBILITIES

• Implement and maintain NPV / unit economics models in Python + SQL (clean, testable, versioned logic)
• Build reliable datasets required for economics (cohorts, cashflows, losses, funding, fees, revenue streams) with help of other analysts
• Automate scenario runs and sensitivity analysis (pricing, limits, product changes)
• Validate model outputs vs actual portfolio performance and investigate gaps
• Translate model logic into implementation-ready specs when needed
• Step in beyond your scope when needed — we value ownership over rigid roles

REQUIREMENTS AND EXPECTATIONS

• 2-3+ years of hands-on experience in data analytics
• Proficiency in Python (pandas) and SQL for data exploration and analytics implementation
• Solid understanding of unit economics / financial modeling concepts (cashflows, NPV, cohorts)
• High attention to detail — small errors break economics in production
• Knowledge of unit economics is required (including deep understanding of the concept, experience in modeling, or at least working with such models).
• Direct experience in unit economics modeling for credit products is a strong plus.