NinjaHoldings

Support FP&A and Capital Markets activities, including financial modeling, reporting, and portfolio analysis. | Seeking a candidate with strong quantitative skills, advanced Excel, and familiarity with SQL or relational databases. | NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our EDGE brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance. Job Summary: NinjaHoldings is seeking a self-motivated, intellectually curious FP&A and Capital Markets Intern who is interested in the opportunity to grow and learn as part of a dynamic team at the heart of NinjaHoldings' strategic decision-making. Key Responsibilities: • Learn about the unsecured consumer lending space in a fast-paced environment • Provide support of Capital Markets activities, including all corporate funding and liquidity activities of the company, involving structuring, negotiation, legal document review and execution of revolving warehouse facilities, private financings and securitizations • Assist in the development, preparation and analysis of daily/weekly/monthly operational reporting used to drive decision-making in executive management meetings • Support budgetary planning and monitoring, including creation and maintenance of product and financial models • Track real-time performance of the loan portfolio using SQL-based data visualization tools • Provide analytical and financial support to functional departments including Operations, Product, Risk and Technology • In general, serve as support for the members of the FP&A and Capital Markets team Ideal Candidate Will Have: • Strong quantitative and analytical skills • Advanced knowledge of Excel and PowerPoint • Ability to manage multiple projects with tight deadlines, follow through to completion, and present conclusions of analysis to senior management in an organized and thoughtful manner • Experience with SQL or other relational database tools a plus Benefits: • Start and end dates are flexible to accommodate for the student's academic calendar • Fun, fast-paced work environment • Dynamic start-up culture • Ability to make an immediate impact in a growth-stage company • Networking with full-time employees who are well-connected in the Chicago fintech community • Convenient downtown Chicago office located in the heart of the city • Equal opportunity employer Applicants must be legally authorized to work in the U.S. without the need for current or future visa sponsorship. IMPORTANT NOTICE: Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@ninjaholdings.breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.

The Software Engineer in Test will enhance testing efficiency by building tools, services, and frameworks for the lending platform. This role involves collaboration with QA, Dev, and DevOps to improve automated testing processes. | Candidates should have 5+ years of backend software engineering experience and 3+ years of experience with Ruby on Rails. Strong communication skills and experience in building developer tools and enhancing CI/CD pipelines are essential. | NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our NinjaHoldings and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our EDGE brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance. Job Summary The Software Engineer in Test will be responsible for boosting the testing efficiency of the entire Engineering department by building test tools, services, and frameworks for our complex lending platform. This person will work closely with QA, Dev, and DevOps. The right candidate loves building tools for technical people. This person knows that a good tool is composed of a few things: A well designed interface, which may be CLI, HTTP API, or even an Python/Ruby Library API. Designed for thoughtful extensibility by fellow QA or Dev. Great tutorial and API documentation to easily promote adoption and contribution. The right candidate is a developer who thinks testing is exciting and believes all forms of testing (manual to automated) can be made faster, more efficient, and more accurate with the right kind of tools. Key Responsibilities You will be part of the QA team whose mission is not simply to test. Instead the QA team's mission is to Protect the Business and Platform. Our QA team certainly does manual and automated testing. However they also merge project branches, cut release branches, and generally perform release management and post-release monitoring because of their greater mission. You will: Work closely with DevOps on improving the general execution time of our automated regression system. Build custom Python and Ruby libraries that generate test data such as Credit Ninja customers that can be approved for a loan in testing. Improve the quality of QA's automated testing development by designing and implementing better abstractions for the QA team to use when constructing regression tests. Integrate into various 3rd party test tools to expand the type of testing QA can do. Build a system to track the long term QA metrics desired by the VP of Engineering such as the probability of test failure based on historical unit/regression test runs and code churn. Ideal Candidate Will Have: 5+ years of professional experience as a backend software engineer for non-trivial web applications 3+ years of professional experience in Ruby on Rails Ruby Experience working with Frontend developers Strong communication ability to describe complex problems and solutions Experience building libraries, CLI tools, and service for developers and QA Strong ability to write technical documentation. Experience setting up and enhancing CI/CD pipelines. Additional Pluses: Extensive experience using SQL and working with Postgres Strong experience in QA or DevOps Experience in Data Driven testing Benefits: Competitive salary and benefits package Flexible, remote work Fun, fast-paced work environment Dynamic start-up culture Ability to make an immediate impact in a growth stage company Convenient downtown Chicago office located in the heart of the city Equal opportunity employer Applicants must be legally authorized to work in the U.S. without the need for current or future visa sponsorship. IMPORTANT NOTICE: Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.

The Product Marketing Lead will shape product success by driving strategic marketing initiatives that maximize monetization across card and financial products. This includes defining product positioning, messaging, and go-to-market strategies while managing the full marketing lifecycle from product development to growth and expansion. | The ideal candidate will have 7+ years of experience in Marketing Strategy or Product Marketing, preferably in a B2C company, with a proven track record in financial services or fintech. Strong analytical skills and the ability to synthesize market insights into compelling messaging are essential. | NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our NinjaEdge brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance. Job Summary We're seeking an experienced Product Marketing Lead to play a critical role in shaping product success by driving strategic marketing initiatives that maximize monetization across our card and financial products. You'll define product positioning, messaging, and go-to-market strategies while translating product initiatives into compelling campaigns that drive direct deposit enrollment, card activation, transaction volume, and marketplace engagement. This position requires a strategic thinker with the ability to integrate creativity with data, leveraging customer insights, competitive analysis, and performance data to refine messaging and optimize acquisition and retention strategies. You'll work autonomously while partnering with Product, Engineering, and cross-functional teams to deliver measurable business outcomes and ensure seamless integration of marketing efforts across all customer touchpoints. Key Responsibilities: Marketing Strategy & Go-to-Market Leadership Act as the lead marketer for card and monetization products, working alongside product teams to shape marketing vision and strategy Define and execute comprehensive go-to-market strategies with clear value propositions and effective market positioning Influence product roadmaps by synthesizing market, customer, and competitive insights with audience segmentation and opportunity sizing Develop and refine marketing messaging that resonates with target audiences and integrates seamlessly across all customer touchpoints Campaign Execution & Lifecycle Management Manage the full marketing lifecycle from product development and launch to growth and expansion Design and execute multi-channel digital campaigns that drive direct deposit enrollment, card activation, and marketplace engagement Create and lead strategic marketing campaigns aligned with company goals and customer insights Use qualitative and quantitative data to optimize positioning, refine messaging, and inform marketing strategies Performance Marketing & Analytics Own key marketing metrics including CAC, LTV, conversion rates, and engagement KPIs across product launches and campaigns Establish and track marketing performance metrics ensuring success across all initiatives Optimize performance across paid acquisition, email, push notifications, and in-app messaging Act as voice of the customer, synthesizing market research and feedback to drive product-market fit Cross-Functional Collaboration Partner with Product teams to align marketing strategy with product roadmap and launches Collaborate with Data Science to leverage customer insights for campaign optimization Work with design and content teams to create high-converting marketing assets Ensure marketing campaigns meet financial services regulatory requirements Ideal Candidate Will Have: 7+ years of experience in Marketing Strategy and/or Product Marketing, preferably with a B2C company and track record of leading product launches Proven experience as a strategic marketing leader, driving go-to-market strategies and product adoption in financial services or fintech Ability to build strategy and roadmap of projects based on data analysis, market research, and customer insights Strong ability to synthesize market, customer, and competitive insights to build compelling positioning and messaging Strategic mindset with ability to think long-term while executing with precision on complex initiatives Strong analytical skills with experience using data to optimize campaigns, run experiments, and measure ROI Exceptional storytelling and communication skills, able to simplify complex financial concepts into compelling narratives Understanding of financial services regulations and compliance requirements Self-motivated with ability to work independently and build cross-functional partnerships Customer-focused approach with understanding of diverse financial needs Analytical mindset with comfort using data to drive decision-making Adaptable and comfortable in a fast-paced fintech environment Additional Pluses: Experience marketing to underbanked or underserved customer segments Background in fintech, card products, banking, or payments verticals Experience with customer lifecycle marketing programs and monetization strategies Proven ability to thrive in cross-functional environments and collaborate effectively across diverse teams Benefits: Competitive salary and benefits package Flexible, remote work Fun, fast-paced work environment Dynamic start-up culture Ability to make an immediate impact in a growth stage company Convenient downtown Chicago office located in the heart of the city Equal opportunity employer Applicants must be legally authorized to work in the U.S. without the need for current or future visa sponsorship. IMPORTANT NOTICE: Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Compliant Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ ninjaholdings.com.

Lead onboarding and implementation of analytics products for financial institutions, configure solutions, interpret risk analytics, and collaborate cross-functionally to ensure customer success. | 3-5 years in consumer lending or fintech with underwriting and risk analytics experience, advanced SQL skills, customer-facing technical account management experience, and strong communication skills. | EDGE (www.edgescore.com) is a B2B fintech on a mission to expand credit access for consumers historically unserved and underserved by the reports and scores of traditional credit bureaus. We’re doing this with risk analytics based on complementary alternative data that reveals a more complete financial picture. Founded in 2021, Edge is part of a larger family of fintech brands underneath our parent company, NinjaHoldings (www.ninjaholding.com). NinjaHoldings’ brands include CreditNinja, a nationwide online consumer lending business established in 2017, and NinjaCard, a neobanking platform focused on consumers in the emerging credit space. The EDGE business is at an inflection point where we’ve proven our platform’s value with early adopters, and we’re ready to go full-throttle into our target markets. Elevating every aspect of our marketing efforts is critical in this planned ramp-up. Job Summary As a Technical Account Manager – Analytics, you will lead the onboarding and implementation of Edge’s analytics products for financial institutions. You will work directly with customers to configure solutions, interpret risk analytics, and ensure a seamless go-live. This role requires experience in consumer lending, including underwriting, risk, and loan origination workflows, to bridge the gap between our technology and our clients’ operational needs. You will partner cross-functionally with Product, Engineering, and Customer Success to deliver measurable results for our customers and ensure long-term adoption of our solutions. Key Responsibilities: Lead onboarding and configuration of Edge's analytics platform for new customers, ensuring alignment with lending and underwriting workflows Interpret complex financial datasets (income, balances, transaction data) and deliver actionable insights to credit, risk, and compliance stakeholders Translate technical data concepts into plain language for executives and frontline lending teams Conduct configuration testing, troubleshoot integration issues, and optimize workflows Collaborate with Product, Data Science, and Engineering to identify and escalate bugs, edge cases, and enhancement opportunities Create customer-facing guides, onboarding documentation, and best practices Partner with Sales and Customer Success to support pilots, expansions, and strategic accounts Requirements: 3-5 years of hands-on experience in consumer lending, banking, or fintech, with a strong focus on underwriting, risk analytics, or loan operations Advanced proficiency in SQL, with the ability to write complex queries and analyze large datasets Proven track record in a customer-facing implementation, technical account management, or solutions consultant role Strong communication and presentation skills for both technical and business audiences Demonstrated ability to interpret and work with structured financial data Experience managing multiple complex projects in a fast-paced environment Familiarity with Python, Postman, and JIRA is a plus Familiarity with AWS or other cloud platforms is a plus A growth mindset and enthusiasm for learning in a scaling startup Benefits: Competitive salary and benefits package Fun, fast-paced work environment Dynamic start-up culture Ability to make an immediate impact in a growth stage company Convenient downtown Chicago office located in the heart of the city Equal opportunity employer IMPORTANT NOTICE: Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.