• Own the design, implementation, and ongoing optimization of PatientFi’s risk-based pricing framework. • Develop and refine pricing tiers, APR bands, and credit limit structures that accurately reflect borrower risk profiles, maximize risk-adjusted net interest margin (NIM), and remain competitive within our market. • Leverage comprehensive unit economics models—including loss-adjusted return, net yield, and other profitability measures—at the segment, vintage, and product level. • Translate portfolio performance data into actionable pricing and credit policy changes that improve overall portfolio performance. • Serve as the primary owner of portfolio profitability reporting. • Proactively track vintage performance, delinquency trends, prepayment behavior, and net charge-off trajectories to identify pricing dislocations and risk-adjusted return opportunities. • Lead preparation of monthly and quarterly credit risk and profitability evaluations for senior leadership. • Partner closely with Data Science, Finance, Product, and Sales teams to align pricing strategy with funding costs and growth objectives. • Ensure all pricing strategies and underwriting decisions adhere to PatientFi’s internal credit policies and applicable state and federal regulations, including FCRA, ECOA/Reg B, UDAAP, and TILA/Reg Z.

• Responsible for auditing assigned files including but not limited to: HMDA/HOPEA Regulations TRID guidelines QM TESTING (agency and state specific) • All required docs present and executed by all parties • Conditional review; Trust and POA • Product specific audits (HELOANS, HEOCS, JUMBO). • Review to determine escrow cushions were set up properly, the disbursement amount collected, and due dates are reflected correctly in IED • Homeowners Insurance: proper coverage, policy includes expiration/term dates, property address, HO6 or Condo Master Policy. • Mortgagee clause, Purchase loans ensure effective date is on or prior to our closing date, renewal policy if expires within 30 days of closing is present, proof of payment in file if due within 60 days of closing • Check TIL/APR fees to verify tolerance • Verify if loan requires MI, MI % factors are correct, cert information is correct. • Make corrections and follow-up on all errors or issues found during post-closing auditing until cleared. • Monitor pipeline to ensure all exceptions are cleared in a timely manner. • Ensure all trailing/corrected documents are uploaded to the file. • Track and report errors • Reconcile closing conditions have been met • Reconcile closing disclosure, amend if necessary • Responsible for following minimum standards

• Learn and develop a thorough understanding of the market research processes and tools used in conducting the research from a technical standpoint. • Translate the logic involved in a project into SAS code in a timely fashion. • Generate test data and ensure its validity using SAS in accordance with the project specifications. • Test, identify, and resolve all the issues in the projects that can affect the collection of valid data on a day-to-day basis. • Maintain the written SAS codes and the respective project documentation. • Other duties as assigned.

• Provide coaching to team members, along with supporting their development of business and technical skills • Support individual contributors (Analysts and Sr. Analysts) prioritize and review work • Present continuous improvement insights and recommendations to managers and leaders • Collaborate with cross-functional teams, requiring effective communication skills • Leverages prior experiences to help develop and recommend solutions • Participate in the continuous improvement of FBS processes by developing scalable solutions • Coordinate execution by a small team of required tasks related to the delivery of the (PTP, OTC, RTR) tower • Create regular reports for the leadership • Foster collaboration with team members to develop a supportive and engaged team • Drive team's results and celebrate accomplishments