Data Analyst, Product Finance

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

The Data Analyst for the Product Finance team will play a critical, cross-functional role in ensuring the accuracy, integrity, and timely delivery of financial data streams related to our Banking-as-a-Service (BaaS) programs. This position is central to the operational success of the Product Finance function, requiring a blend of strong data analysis skills, financial acumen, and an expert ability to manage complex data and reporting structures. You will be the team's subject matter expert on data flow from core systems like Finxact and external Partner Files, directly supporting financial reporting and internal controls.

• Partner File Management: Monitor the timely delivery of Partner Files and generate cross-functional reports detailing status and dependencies.
• Data Stream Optimization: Analyze and streamline complex data fields and sources to improve efficiency, accuracy, and reporting capabilities.
• SQL Development: Create and execute production-level SQL queries to facilitate the onboarding of new financial partners and integrate data streams.
• Validation Oversight: Monitor, document, and clearly communicate any changes to automated data validations to the broader Product Finance team.
• Documentation & Knowledge Transfer: Create and maintain comprehensive documentation detailing the core Finxact system related to financial data derived from BaaS programs.

• Bachelor's degree in Accounting or Finance
• 3-5 years experience in Financial Data Analysis or equivalent
• Technical Expertise:
• Demonstrated, advanced experience analyzing databases and manipulating large datasets using SQL.
• Expert-Level Proficiency with Excel/Google Sheets, including complex formulas, pivot tables, and data modeling for financial analysis.
• Solid understanding of Bank and/or Fintech Accounting data streams and financial workflows.
• Previous experience working with fintech or banking core systems (e.g., Finxact) is highly preferred.
• Strong attention to detail, excellent communication skills, and an ability to work effectively across technical and business teams.

• 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: $ 101,150 - $ 119,000  (SF/Bay Area, NYC, Seattle)

Zone 2:  $ 83,854 - $ 98,652 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)

Zone 3:  $ 65,000 - $ 85,675 (Other US Metros)

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