Product & Risk Analytics Manager

🕒 September 29

🇺🇸 United States – Remote

💵 $130k - $150k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

📉 Data Analyst

👻 Ghost score 0%

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Rain

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2019

💳 Fintech

👥 HR Tech

☁️ SaaS

💰 $75M Series B - Rain on 2025-02

Fintech • HR Tech • SaaS

Rain is an AI-driven financial wellness platform for employers that gives employees on-demand access to earned wages and a suite of tools (budgeting, spending analysis, financial coaching, free tax filing, balance protection) to reduce financial stress and improve retention and productivity. The company emphasizes quick payroll integrations, minimal data collection, enterprise-grade security and compliance (SOC 1 Type 2, SOC 2 Type 2, ISO/IEC 27001), and operates as a fintech (not a bank) serving employers and employees; it reports 3. 5M+ employees empowered and strong employer impact metrics. Rain is positioned as a B2B SaaS platform sold to employers to deliver earned wage access (EWA) and broader financial-health services.

📋 Description

• Analyze product, user, repayment, and transactional data to uncover insights shaping strategy and product development • Design, deploy, and refine machine learning risk and underwriting models focused on loss mitigation, ACH failure reduction, and fraud prevention • Monitor production ML models for drift and track feature importance • Maintain data governance for long-term risk strategy stability • Build and scale Looker dashboards and LookML data models • Manage code and SQL via Git/GitHub using branching and pull-request best practices • Analyze user behavior, acquisition funnels, and customer segmentation • Design and analyze A/B tests • Measure marketing campaign effectiveness and model CAC and LTV • Track company-wide KPIs • Partner with Engineering, Product, Finance, Marketing, and leadership • Translate complex insights into actionable recommendations and executive narratives • Improve the analytical capability of the team and organization • Report to the Head of Business Operations & Analytics • Deliver individual-contributor impact while helping scale the business and potentially build and lead a team

🎯 Requirements

• 5–7 years in data, product, and risk analytics • Proven success building and deploying credit/banking risk models • Expert SQL, including Snowflake and complex queries • Proficiency in Python ML libraries: Pandas, Scipy, and XGBoost • Hands-on experience with BI tools such as Looker and Superset • Deep understanding of statistical principles and hypothesis testing • Hands-on A/B experimentation experience • Ability to work as an individual contributor in fast-paced, ambiguous startup environments • Experience leveraging AI tools to scale output quality and efficiency • Proven track record of building, mentoring, or scaling high-performing analytics teams preferred • Legally authorized to work in the United States • Must have at least 5 years of experience in data analyst, risk analyst, business intelligence, or product analyst roles • Experience in fintech, financial services, banking, or equivalent • Experience writing complex SQL queries, including window functions, CTEs, and aggregations • Experience building or maintaining dashboards in a BI tool such as Looker or Apache Superset

🏖️ Benefits

• Flexible PTO • Medical, Dental, Vision, Life, Disability coverage • Parental leave • Monthly stipend • Equity options • Option to work remotely or in-person in the downtown Nashville office