• Improve acquisition efficiency, budget allocation, and market expansion decisions by connecting channel activity to user quality, conversion, commission revenue, and long-term value. • Own marketing analytics across channels. • Build attribution and unit economics models. • Identify growth opportunities and monitor anomalies. • Support CRO and experimentation.

• Own install volume, ROAS, and downstream GMV performance across paid acquisition channels. • Manage and optimize campaigns across Meta, TikTok, Apple Search Ads, Google App Campaigns, and emerging acquisition platforms. • Partner with Data teams to develop audience segmentation and user quality frameworks. • Collaborate with Product teams to improve post-install conversion and activation experiences. • Partner with Creative teams to develop testing strategies and performance hypotheses. • Drive experimentation across audience strategy, bidding approaches, creative concepts, and channel expansion opportunities. • Contribute to attribution, incrementality, and measurement initiatives in privacy-constrained environments. • Build reporting frameworks and actionable insights for Growth leadership.

Role Description As an RTL / Fix & Flip Underwriter, you will independently evaluate short-term bridge and renovation loans for real estate investors. This role plays a critical part in balancing speed, sound credit judgment, and risk management while supporting a high-volume, growth-stage lending platform. You will assess borrower and entity credit strength, collateral quality, construction feasibility, and market risk to structure well-performing loans that close efficiently and align with company and investor guidelines. This role directly impacts deal velocity, loan quality, and overall portfolio performance, partnering closely with sales, processing, and construction/draw teams. Key Responsibilities - Independently underwrite Residential Transition Loans (Fix & Flip / Bridge / Rehab) in accordance with internal guidelines and delegated credit authority. - Deliver sound, well-documented credit decisions that balance risk management with business growth objectives. - Analyze borrower and entity creditworthiness, liquidity, experience, and exit strategies. - Review and validate ARV appraisals, broker price opinions, market comparables, and valuation methodologies. - Evaluate construction and renovation budgets, scopes of work, contractor credentials, and feasibility. - Validate LTV, LTC, ARV, and cost-to-complete calculations for accuracy and guideline compliance. - Identify layered credit, collateral, construction, and market risks; clearly document risk mitigants and approval rationale. - Review and decision title insurance, property taxes, hazard insurance, entity documentation, and other collateral requirements. - Underwrite loan scenarios across SFR, Condo, 2–4 Unit, and Multifamily (5+ unit) properties. - Communicate proactively and professionally with processors, originators, brokers, and internal partners to clear conditions and move loans to closing efficiently. - Manage a high-volume pipeline while maintaining accuracy and meeting turnaround expectations. - Ensure underwriting decisions comply with internal guidelines, investor requirements, and applicable regulatory standards. - Maintain complete, accurate, and audit-ready loan documentation. - Contribute to guideline refinement, process improvements, and operational efficiencies to enhance borrower experience and reduce cycle times. Key Accountabilities - Deliver timely credit decisions to support closing timelines and business needs. - Maintain high accuracy and consistency across all loan files. - Balance risk management with company growth and profitability objectives. - Ensure all decisions are fully documented, compliant, and audit-ready. - Contribute to continuous improvement of underwriting processes and guidelines. - Support a collaborative, high-performance team environment. Core Competencies - Strong Credit Judgment: Ability to independently evaluate complex and non-standard RTL scenarios and make sound, defensible decisions. - RTL Expertise: Practical knowledge of ARV methodology, LTV/LTC, rehab budgets, renovation workflows, permits, and fix & flip lending structures. - Detail Orientation: Exceptionally accurate with numbers, vesting, fees, insurance coverage, valuations, and documentation. - Problem-Solving & Critical Thinking: Anticipates issues, identifies solutions, and keeps files moving forward. - Customer-Centric Communication: Able to clearly explain underwriting decisions while maintaining positive, professional relationships. - Adaptability: Thrives in a fast-paced, evolving startup environment with changing priorities. Qualifications - 6+ years of underwriting experience (real estate, mortgage, private lending, or financial services). - Strong analytical and financial evaluation skills. - Ability to manage multiple priorities and meet deadlines in a fast-paced environment. - Strong attention to detail and accuracy. - Experience in RTL / Fix & Flip, hard money, or construction-based lending. - Demonstrated experience underwriting renovation-based investment loans. - Background in real estate, mortgage, commercial lending, or financial services. - Bachelor’s degree in Finance, Accounting, Real Estate, or related field. Tools & Technology - Loan origination and processing software (e.g., Encompass, LendingPad, or similar). - Microsoft Office Suite (Excel, Word, Outlook). - CRM systems for borrower communication and tracking. - Digital document management platforms (e.g., DocuSign, SharePoint). - Appraisal/valuation ordering portals and title/escrow collaboration tools. Benefits - Be part of a rapidly growing company where your work directly impacts outcomes. - High-ownership environment with opportunities to influence processes and scale operations. - Collaborative, entrepreneurial culture that values speed, innovation, and accountability. - Clear opportunities for career growth as the platform expands. - Competitive base salary based on experience and qualifications. - Performance-based bonus opportunities. - Medical, dental, and vision insurance. - Generous PTO and paid holidays. - Opportunities for growth in a high-performing, entrepreneurial, self-starter environment. Salary Range $65,000 – $97,000 annually. This role is eligible for a discretionary bonus based on individual and company performance. Actual compensation may vary based on factors including experience, skills, geographic location, and business needs.

Role Description Improve acquisition efficiency, budget allocation, and market expansion decisions by connecting channel activity to user quality, conversion, commission revenue, and long-term value. Turn marketing performance data into clear recommendations on where to spend, scale, pause, or test next. Performance objectives - Objective 1 - Own marketing analytics across channels - Outcome: Reliable, consistent reporting across paid ads, email, SEO, lifecycle, organic/social, and market expansion. - Typical tasks: - Produce weekly marketing performance updates. - Maintain channel-, country-, campaign-, and audience-level dashboards. - Investigate anomalies and surface trends. - Translate raw performance data into clear narratives. - Objective 2 - Build attribution and unit economics models - Outcome: Marketing activity is linked clearly to commission revenue and lifetime value. - Typical tasks: - Build and maintain attribution models. - Analyse ROAS, CAC, LTV, retention, and payback by channel/country/campaign/segment. - Quantify the financial impact of marketing decisions. - Partner with Finance to align attribution to revenue recognition. - Objective 3 - Identify growth opportunities and monitor anomalies - Outcome: Wasted spend is reduced; new markets and segments are scaled faster. - Typical tasks: - Identify opportunities across countries, segments, channels, landing pages, and messaging. - Proactively monitor anomalies and flag before spend is wasted. - Recommend reallocation of budget toward higher-ROI surfaces. - Document and track recommendations through to adoption. - Objective 4 - Support CRO and experimentation - Outcome: Better targeting, messaging, and channel mix; higher conversion across paid and organic surfaces. - Typical tasks: - Partner with Growth and Marketing on experimentation and budget allocation. - Define measurement plans for new campaigns before launch. - Support landing-page experimentation and conversion analysis. - Quantify experimental lift post-launch. Qualifications - 2+ years of experience as a Marketing Analyst, Growth Analyst, or similar. - Marketing analytics tooling: Google Ads, Meta, GA4, and ideally lifecycle/email platforms. - Strong SQL and behavioural analysis skills. - Deep understanding of CAC, ROAS, LTV, and attribution. - Commercial mindset - focus on revenue impact, not vanity metrics. - Excellent async written communication - we are remote-first. Requirements - Prior experience in fintech, prop trading, or D2C SaaS. - Incrementality testing experience. - International / multi-market analytics experience. - Familiarity with affiliate / partner attribution models. Compensation - $2,000–$3,500 / month gross Location & Work Setup - Remote, with strong overlap with CET hours (4+ hours of overlap). - Working hours: roughly 9 AM – 6 PM CET, with reasonable flexibility. - Employment type: Full-time. Hiring Stages - Application screening: Review of applications to identify candidates whose background aligns with the role’s requirements. - Video intro + role fit questionnaire: A short async step - no scheduling required. - Discovery HR Interview: Focused on company and culture match. - Real-world task: An exercise using real PFM marketing and growth data. - A deep-dive Professional interview: Focus on growth analytics expertise. - Functional Interview: Broader professional conversation exploring collaboration and communication. - Peer & values conversation: Evaluated against PFM's structured values scorecard. Additional Information - If you don’t meet every single qualification but believe you can excel in the role based on what it requires - we encourage you to apply. - We are an equal opportunity employer and welcome applicants from all backgrounds, experiences, and perspectives. - Even if it’s not listed as a formal requirement, we truly value candidates who have clear familiarity with the prop trading industry and us, our mission and what we do. Not the Right Fit for This Role? If this role isn’t the right match but you have experience in trading operations, customer success, compliance, support, partnerships, or a related area - we still want to hear from you. Join our Talent Pool and we’ll reach out when a relevant role opens.