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Senior Business Analyst- Credit Policy

Spruce Finance is committed to helping people reduce their utility bills and improve their homes and environment by offering consumer financing solutions for residential energy efficiency improvements and solar systems. We make our finance products available on a single software platform and sell them through a national network of verified channel partners. Our platform simplifies the sales experience for our channel partners and helps them sustainably grow their businesses. A private company headquartered in San Francisco, with additional offices in Houston, Anaheim, and New York, we operate in all 50 states and Washington, DC. We have raised more than $2B in project finance and currently serve 70,000 homeowners.

Finance products for residential solar – including loans, leases, power purchase agreements, and property-assessed clean energy (PACE) financing – are available in 23 states, and financing for home efficiency improvements is available in all 50 states. Spruce’s national reach and full product suite enable the company to capture more share of business from its channel because clients can access multiple finance products for a wide variety of home improvements on a single platform. Spruce is also able to capture a greater share of wallet from consumers by offering them the financing they want for the energy or efficiency home improvement they need, and creating a long-term relationship that enables additional sales of complementary improvements down the road.

If you are interested in joining our Spruce team and want to learn more about our mission, we’d like to meet you.


THE ROLE: Senior Business Analyst- Credit Policy

  • Work closely with the Chief Credit Officer and collaborate with peers across the company to develop new credit strategies and practices that drive profitable growth 
  • Drive improvements to the performance of our portfolio by testing the underlying drivers of risk 
  • Lend to the creation and execution of a roadmap strategy for credit
  • Collaborate cross functionally with other teams, such as product and business intelligence, to influence product changes, growth strategies, and new risk models
  • Manage monthly analysis and prepare for policy discussion topics brought before the Credit Policy committee
  • Develop reporting templates in collaboration with the business intelligence team



Spruce seeks a Senior Business Analyst-Credit Policywith:

  • 5+ years of complex analytical experience
  • 5+ years of experience in a reporting or analytical role in the consumer credit/lending industry, including responsibility for managing and producing strict deliverables from multiple and complex datasets
  • Relevant credit experience with consumer loans, credit cards, or other credit products
  • Ability to lead a team to solve problems and synthesize complex data into actionable business decisions 
  • Extensive experience with SAS as well as SQL, PostgreSQL, or similar relational database tool
  • Strong Excel skills are required as is the ability to build comprehensive and flexible reporting templates from scratch
  • Willingness and ability to continually improve processes and document procedures for producing deliverables
  • Ability to draw conclusions and provide explanations and make recommendations based on analysis
  • Strong analytical and problem-solving skills
  • Highly organized and detail-oriented
  • A track record of proactive contribution and accountability
  • Ability to produce deliverables accurately, independently and on time
  • Can successfully manage multiple priorities
  • Effective interpersonal skills and strong communication skills, both verbal and written
  • Ability to work independently and collaboratively as part of a team


  • A Bachelor’s or Master’s degree in finance, economics, engineering, mathematics, science, or a similar quantitative, analytical discipline is required. 


We value a diverse work environment. Spruce is an equal opportunity employer and hires without consideration to race, color, religion, national origin, age, gender, sexual orientation, marital status, veteran status, disability or any other characteristic protected by applicable federal, state or local laws.

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