Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.
We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.
Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.
Role Description
As a Senior Data Analyst for Product Finance, you will be the strategic architect of our financial data ecosystem. You won't just manage data streams; you will design the frameworks that ensure the scalability and integrity of our Banking-as-a-Service (BaaS) programs. This is a high-impact, cross-functional leadership role requiring a sophisticated blend of financial engineering, advanced analytics, and stakeholder management. You will serve as the primary bridge between Engineering and Finance, transforming raw system outputs from core platforms like Finxact into actionable financial intelligence and robust internal controls.
In this role, you will:
Strategic Data Architecture: Design and optimize end-to-end data pipelines for Partner Files, moving beyond simple monitoring to building automated, resilient ingestion frameworks that minimize manual intervention.
Advanced SQL & Analytics Engineering: Develop, peer-review, and maintain production-grade SQL repositories. You will lead the technical logic for onboarding complex new financial partners and integrating multi-source data streams.
Investigative Analytics & Forensic Discovery: Conduct deep-dive forensic analysis on complex financial discrepancies. You will utilize advanced statistical methods to perform root-cause analysis on variance outliers, identifying systemic issues before they impact the General Ledger.
Governance & Control Leadership: Architect and oversee the automated validation framework. You will define the "Source of Truth" standards and implement proactive anomaly detection to ensure 100% financial data integrity.
System Subject Matter Expertise: Serve as the lead technical consultant on the Finxact core system. You will translate complex banking configurations into clear financial logic for executive leadership and external auditors.
Financial Data Research: Stay at the forefront of Fintech data trends and regulatory shifts. You will perform longitudinal research on transaction patterns and partner behavior to provide predictive insights that inform product pricing and risk strategies.
Process Transformation: Identify systemic inefficiencies in existing BaaS workflows and lead cross-functional projects to automate reporting, reducing time-to-close and increasing auditability.
Mentorship & Collaboration: Act as a technical mentor to junior analysts. Partner directly with Product and Engineering leads to influence the data roadmap for future product launches.
Perform other duties as assigned.
Qualifications
Education: Bachelor’s degree in Finance, Accounting, Data Science, or a related quantitative field.
Experience: 5–8+ years of experience in Financial Data Analysis, Analytics Engineering, or Fintech Operations.
Technical Expertise
Master-Level SQL: Proven ability to write high-performance queries, manage stored procedures, and optimize complex joins across disparate schemas.
Data Modeling and Visualization: Advanced experience in dimensional modeling and building scalable reporting structures in BI tools or Python/R.
Investigative Mindset: Strong ability to synthesize unstructured data into structured insights, with a proven track record of solving "black box" data problems through meticulous research and hypothesis testing.
Financial Domain Authority: Deep expertise in BaaS, Fintech, or Core Banking accounting (General Ledger structures, settlement logic, and regulatory reporting requirements).
Systems Experience: Expert-level familiarity with Finxact or similar cloud-native banking cores is required.
Leadership Soft Skills: Exceptional ability to communicate technical data concepts to non-technical executive stakeholders and manage projects through the full SDLC (Software Development Life Cycle).
What we offer:
At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
Competitive compensation, based on experience, geographic location, and role
Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
Paid parental leave
Flexible vacation policy, including PTO and paid holidays
A fun and challenging team environment in a dynamic industry with ample opportunities for career growth
*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.
Zone 1: $139,000 - $159,000 (SF/Bay Area, NYC, Seattle)
Zone 2: $124,000 - $141,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)
Zone 3: $115,000 - $132,000 (Other US Metros)
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