Mission Lane

Architect and maintain scalable data models to support enterprise BI and GenAI applications, acting as a strategic consultant to stakeholders. | 5+ years in data analytics with expert SQL, Snowflake, dbt skills and leadership or mentorship experience required. | Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind? About the Role Mission Lane is seeking a Staff Data Analyst to drive our push toward best in class data usage via analytical engineering, business intelligence and data analysis. This role is critical in our mission to empower our customers through the development and delivery of advanced, enterprise-wide data solutions and products. You will act as a strategic consultant to cross-functional stakeholders, accelerate complex data initiatives to completion, and champion a robust, automated data architecture that scales to support our long term goals. Our core tech stack includes: Snowflake / dbt / Tableau / Monte Carlo / Airflow / Github The impact you will make: Architect and maintain high-fidelity, scalable data models that serve as the foundational truth for both enterprise business intelligence and GenAI applications. Partner with data engineering, product and business partner teams to define, design, analyze, and report on key drivers that impact performance across the organization. Identify and communicate the business relevance of data from across the organization, leveraging analytical rigor to establish reliable sources of truth and ensure that business context is accurately captured across all data products. Partner with the larger Data organization to design easy-to-use, end-to-end enterprise data systems that keep Mission Lane at the forefront of data -based decision-making. Own the development of self-serve analytics and strategic data products that look beyond the immediate stakeholder requests to proactively reduce manual effort, mitigate technical debt, and accelerate speed to insight. Define and champion technical standards for analytics engineering to elevate the quality, reliability, and impact of work produced by the broader analytics team. You will thrive in this role if you have: 5+ years of data analytics experience in roles focused on leveraging data to drive strategic decision making. Expert level SQL and Snowflake skills in architecting and optimizing complex transformations of large datasets. Experience using dbt to develop and orchestrate analytical data models following best practices. Experience implementing data management best practices to build scalable data products and self-service data solutions, including traditional BI tools (Tableau, Power BI, etc.) and custom applications (like Streamlit). Hands-on experience utilizing Generative AI to streamline and automate business and data delivery processes. Experience designing and implementing strategies that enable comprehensive and scalable data integrity monitoring across multiple domains. Worked directly and effectively with business leaders to define and influence how data can strategically enable their goals. The ability to independently manage projects across multiple stakeholders, prioritize vigilantly, and proactively identify, communicate, and mitigate roadblocks. A proactive growth mindset characterized by curiosity and a commitment to continuous improvement and professional development. Provided leadership and mentorship to analytics engineers and data analysts, effectively up-skilling the team on core competencies and technologies. You get bonus points for: Previous experiences with financial services and/or credit bureau data. Experience implementing data strategy and data governance best practices. At Mission Lane, we’re looking for people who have the courage to take on new challenges. If you need accommodations to perform at your highest potential throughout the application and/or interview process, don’t hesitate to reach out. We’re committed to ensuring our team members have balance in their lives. Our comprehensive benefits package provides the support you need to thrive at work and at home. Work: An engaging culture with access to training programs and advancement opportunities. Life: Full health, dental, and vision benefits, Flexible Spending Account (for medical and childcare expenses), paid parental leave, and a 401k Company Match. Balance: Generous PTO, flexible schedules, a Calm App subscription, and more. Compensation USD Target starting base salary: $145,000 - $155,000 Additional compensation in the form(s) of participation in our annual incentive program and equity are available for this role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment. About Mission Lane: Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do. In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors. Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member. Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status. Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting peopleexperience@missionlane.com. Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters. Application Integrity: Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete. Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.

Lead product strategy and execution for card use and management focusing on backend systems and customer experience. | 3+ years product management in credit card or financial services with knowledge of card processors and fraud collaboration. | We're looking for a systems thinker who thrives at the intersection of complex backend logic and human centered design to join our Product team as a Product Manager or Senior Product Manager. The impact you'll make: You'll drive forward our mission of empowering people to unlock financial progress by stripping away the friction that prevents our members from using their credit when it matters most. You will take ownership of the invisible 90 percent of the product (the backend authorizations, tokenization, and vendor integrations) and ensure it translates into a flawless experience for the 10 percent the customer actually sees. As Product Manager or Senior Product Manager, Card Management you will: • Chart the path for our tokenization strategy, specifically leading the charge on providing frictionless and secure options for our customers to use their cards via digital wallets, virtual cards, etc. • Work alongside the Fraud team and TSYS partners to smooth spending roadblocks like security holds due to suspicious activity or unexpected declines because the credit limit was exceeded. • Build intuitive self service flows for replacement cards, ensuring a missing piece of plastic doesn't stop a customer's progress. • Launch an instant issuance experience for replacement cards so that our members can access their credit digitally without having to wait for a physical card to arrive. • Take charge of transaction enrichment, choosing the right vendors to turn confusing billing strings into clear information customers recognize. • Reduce the need for customer support by shipping card delivery improvements that proactively answer the question: where is my card? • Build a roadmap that balances rapid backend iterations with the high stakes requirement of card network reliability. Minimum Qualifications: • 3+ years in a Product Management role. • Experience managing products within the credit card or financial services ecosystem, specifically dealing with authorizations and the customer spending journey. • A working knowledge of card processors like TSYS and how to navigate the requirements of networks like Visa. • Direct experience collaborating with Fraud or Risk teams to build requirements that keep accounts safe without making them hard to use. • To be considered for the Product Manager level, you have a history of taking ownership of defined product areas, using rigorous logic to solve problems, and navigating roadblocks with minimal guidance. • To be considered for the Senior Product Manager level, you have a track record of influencing strategy across multiple interconnected teams, identifying process risks before they impact the business, and leading high stakes, cross functional initiatives from concept to launch. Preferred Qualifications: • Hands-on experience with tokenization, including digital wallet provisioning or virtual card issuance. • Previous success in transaction data cleansing or working with enrichment vendors. • A background that includes both deep backend infrastructure and the front end communications that guide a customer's next steps. • Proven ability to act as a settling influence during technical shifts or vendor transitions. Compensation: Annual full time starting base salary range: • Product Manager: $115,000 to $123,000 • Senior Product Manager: $125,000 to $152,000 This role is eligible for participation in our annual incentive and equity programs. Pay is based on work experience, education, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, including paid time off, 401(k) match, a monthly wellness stipend, health, dental, and vision options, paid parental leave, and a remote friendly work environment. Application Integrity: Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete. Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.

The Data Engineer will design, develop, and maintain high-performance data pipelines while collaborating with various stakeholders to ensure data infrastructure meets their needs. The role also involves troubleshooting data pipeline issues and contributing to operational excellence. | Candidates should have a bachelor's degree in a related field and at least 2 years of experience in data engineering. Strong skills in Python and SQL, along with experience in data warehousing technologies and cloud platforms, are essential. | Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind? About the Team: The Data Engineering team at Mission Lane is responsible for building and maintaining the analytical data infrastructure and ETL/Reverse ETL pipelines that move data in and out of our data warehouse. We are a team of 13 data engineers working in a highly collaborative environment. We are continually striving to elevate our engineering practices and are committed to building high-quality, reliable, and scalable data solutions. About the Role: We are seeking an experienced Data Engineer to join our team and work with us on developing, and maintaining data pipelines, driving best practices in software engineering. You will work closely with stakeholders across the company, including software engineers, data scientists, and business analysts, to ensure that our data infrastructure meets their evolving needs. This is an opportunity to join a high functioning Data Engineering team, with a focus on engineering standards in a company with a strongly data-driven culture. As a member of the team you will: Contribute to Technical Excellence: Design, develop, and maintain high-performance data pipelines using Python, SQL, dbt, and Snowflake on GCP. Engage in our efforts to advance code quality, test coverage, and maintainability of our data pipelines. Champion and implement software engineering best practices, including code reviews, testing methodology, CI/CD, and documentation. Support the adoption of data quality tools and practices (e.g., data lineage, automated alerting). Research, evaluate, and recommend new technologies and tools to improve our data platform. Contribute to the data architecture and design of our data warehouse. Collaborate with a wide range of partners: Collaborate effectively with software engineering teams to define data structures, streamline ingestion processes, and ensure data consistency. Work closely with stakeholders (data scientists, analysts, business users) to understand their data needs and translate them into technical requirements. Partner with stakeholders to ensure that projects are well defined. Contribute to Operational Excellence: Troubleshoot and resolve complex data pipeline issues, ensuring data quality and reliability. Contribute to the development and maintenance of our CI/CD pipelines for data infrastructure. Participate in on-call rotation to support critical data pipelines. Identify and address inefficiencies in our data engineering processes. You will thrive in this role if you have: Bachelor's degree in Computer Science, Engineering, or a related field 2+ years of experience in data engineering Strong analytical SQL skills Strong Python skills Understanding of software engineering principles and best practices (e.g., version control, testing, CI/CD) Experience with data warehousing technologies, preferably Snowflake Experience with cloud platforms, preferably GCP (Google Cloud Platform), including services like Cloud Functions, and GCS Experience designing and implementing reliable and resilient ETL/ELT pipelines Excellent communication, collaboration, and problem-solving skills You will get bonus points for: Experience with our specific stack Snowflake dbt Montecarlo Airflow Experience with data governance and data quality frameworks Knowledge of data modeling principles Experience with infrastructure-as-code tools (e.g., Terraform, Kubernetes Config Connector) Compensation Base Salary: $110,000 - $130,000 USD Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes unlimited paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment. About Mission Lane: Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do. In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors. Interested in learning more? Check out The Mission Lane Junction for articles on culture, credit, and community, and The Mission Lane Newsroom for media mentions. ***** Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member. Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status. Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting peopleexperience@missionlane.com. Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.

Lead a data science team to design, develop, and deploy machine learning models to improve financial decision-making and operations. | Experience in data science applied to financial services, team leadership, software engineering best practices, and managing production ML models. | Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we're enabling people to unlock real financial progress. Sound like a mission you can get behind? About the Role As a Director of Data Science, Operations, you will lead a data science team and cross-functional projects to innovate and improve the machine learning models we rely on to make billions of dollars of efficient and accurate decisions and to enable financial progress for our customers. As a Director of Data Science, Operations you'll: Lead the design, development, and deployment of machine learning models to solve practical problems and help our business and customers reach their financial goals. You'll partner with business leaders and technical experts across the company to develop new data sources, improve our modeling methodology, and apply models with sound risk management. You are a person who: • Has experience applying data science to financial services and is excited to improve operations for a multi-billion-dollar portfolio that's growing every day. • Can make your team better every day because you can be clear about goals and the team's purpose. You can execute through education, organization, and trust. • Can grow members of your team because you can help them identify their strengths and weaknesses, put them in a position to succeed, and get them the training and opportunities they need. • Has a deep understanding of the field of data science and can communicate a vision to your team on how the field can be applied to solve difficult, practical problems. • Has created, deployed, and managed experiments and models in production systems. You can genuinely speak to practitioners about the fundamental principles and challenges required to be successful in applied work. • Practices solid fundamentals with software engineering (test-driven development, code review, refactoring) and the PyData stack (numpy, scikit-learn, pandas, etc.). You get bonus points for: • Experience solving problems in consumer lending or fintech. • Interest in advancing operations like fraud defenses, collections, and customer experience through the creation of new data sources, experimentation, and AI tools. We're offering: We're committed to ensuring our team members have balance in their lives. Our comprehensive benefits package provides the support you need to thrive at work and at home. • Work: An engaging culture with access to training programs and advancement opportunities • Life: Full health, dental, and vision benefits, Flexible Spending Account (for medical and childcare expenses), paid parental leave, and a 401k Company Match • Balance: Generous PTO, flexible schedules, a Calm App subscription, and more Compensation Annual full-time base salary range: $185,000 - 226,000 Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment. About Mission Lane: Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn't have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn't do. In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors. Interested in learning more? Check out The Mission Lane Junction for articles on culture, credit, and community, and The Mission Lane Newsroom for media mentions. • **** Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member. Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status. Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting peopleexperience@missionlane.com. Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.

Manage relationships with debt buyers, ensure adherence to agreements, coordinate sales execution, and forecast sales volumes and pricing. | 7+ years managing external partner relationships, deep knowledge of debt market dynamics, strong project management, legal compliance, and communication skills. | Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind? We're looking for a Senior Debt Sales Program Manager to take the lead in managing our debt sales program and our relationships with external debt buyers. This is a unique opportunity to contribute significantly to a company on the verge of becoming the household name in consumer credit cards for the 50% of Americans who are not served by traditional financial institutions. The Impact You’ll Make: This is a critical role that directly influences our financial levers and long-term growth. You'll use your deep understanding of debt market dynamics to execute sales and build lasting partnerships that shape the future of our debt sales. What You'll Do: Manage overall relationships with debt buyers with whom Mission Lane has completed sales Ensure mutual adherence to Purchase & Sale Agreements (PSAs) Coordinate delivery of obligations and responsibilities under PSAs Liaise between buyers and Mission Lane to resolve issues and needs related to sales Monitor and nurture buyer relationships to ensure they are mutually effective and sustainable for Mission Lane’s long-term debt sales strategy Manage Post Sale Support obligations from PSAs, including tracking obligations, forecasting volumes, and coordinating Mission Lane resources Handle putbacks and recalls, direct payments, balance adjustments, trailing activity reporting, disputes, complaints, and account inquiries on sold accounts Track, forecast, and coordinate affidavit requests, completion at Mission Lane and partner banks, and delivery to buyers Understand and stay current on market dynamics, key buyers, market pricing, industry terminology, standards, and business terms related to sales Coordinate with Mission Lane resources to create marketing files and materials, and manage the marketing process for obtaining bids and proposals from buyers Gather and summarize pricing proposals and present to Mission Lane management for decisions and approvals Work with buyers to award sales decisions, confirm volumes, and create sales timelines Work with Mission Lane legal to negotiate PSAs and finalize business terms related to sales Create sales execution timelines in partnership with Mission Lane resources Successfully execute on debt sales, ensuring successful closing, funding, and delivery Ensure successful delivery of final sale files, supplemental files, media, and legal documents to buyers Ensure Mission Lane has received all required documents and information from buyers Manage and resolve issues and needs of buyers related to Mission Lane’s debt sales, coordinating with relevant internal resources as needed Plan and forecast bulk sales and forward flow sales expectations (volumes, pricing, proceeds) to meet Mission Lane’s strategic needs Qualifications: 7+ years of experience successfully managing relationships with a portfolio of external partners, in a program management capacity. Demonstrated experience building and maintaining strong cross-functional relationships with internal teams (e.g., legal, finance, operations) to ensure alignment on shared goals. Deep understanding of debt market dynamics, including key buyers, market pricing, and industry terminology related to debt sales. Strong professional communication skills, with proven experience presenting to senior leaders and key external stakeholders. Proven project management skills, with the ability to coordinate complex processes, manage timelines, and ensure the successful execution of debt sales. Legal & Compliance Acumen, including familiarity with Purchase & Sale Agreements (PSAs) and a track record of ensuring adherence to their terms. Compensation Annual full-time base salary range: $146,000 - $178,000 Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment. About Mission Lane: Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do. In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors. Interested in learning more? Check out The Mission Lane Junction for articles on culture, credit, and community, and The Mission Lane Newsroom for media mentions. ***** At Mission Lane, we’re committed to a workplace built on respect and dignity, where everyone has the opportunity to contribute. We believe diversity in all forms makes us stronger, and we intentionally foster an inclusive environment where employees feel valued, respected, and free to be their true selves. We are proud to be an equal opportunity employer and do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity, or any other protected status. Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting peopleexperience@missionlane.com. Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.