Intern, Risk

Position Overview

As a Summer Intern in the Risk/Pricing Department, you will play a crucial role in supporting our segmentation strategy and pricing optimization efforts. Your primary responsibility is to analyze merchant profiles, identify performance correlations, and refine pricing strategies to improve our business outcomes. The Risk Department balances supporting sales growth with managing potential losses by reviewing historical performance and evaluating the economics of individual deals.

Key Responsibilities

• Review current pricing strategies and analyze portfolio data, merchant profiles, and historical performance.
• Identify characteristics and attributes that correlate with strong performance and profitability.
• Identify opportunities to optimize our risk-based pricing and targeting, focusing on capturing more volume from high-performing segments and limiting exposure in underperforming segments.
• Evaluate the economic outlooks for the identified segments and recommend potential updates to pricing strategies.
• Frame estimated economic impacts of proposed changes and present recommendations to upper management.
• Review and analyze current pricing strategies and merchant profiles.
• Perform segmentation analysis to identify profitable merchant segments.
• Use analytical tools to identify correlations between merchant attributes and performance.
• Prepare and present strategic recommendations to improve pricing and targeting strategies.
• Collaborate with cross-functional teams to understand market conditions and refine pricing policies.

Required Qualifications

• Proficiency in MS Office with advanced Excel skills for data analysis and reporting.
• Ability to interpret complex data, identify trends, and perform statistical analysis.
• Understanding of pricing strategies, portfolio performance, and profitability metrics.
• Ability to create clear and concise presentations and present findings to large audiences (via Teams or in-person).
• Familiarity with Excel modeling, financial analysis, and statistical techniques (e.g., regression analysis) is a plus.
• A motivated, detail-oriented individual with a strong interest in financial analysis and pricing strategy.
• Comfort with working on large datasets and using Excel to derive insights.
• A proactive thinker who enjoys problem-solving and optimizing business processes.
• An effective communicator with the ability to present technical findings in a clear and compelling manner to both technical and non-technical stakeholders.

Benefits & Perks

• Great Benefits
• Competitive Pay
• Solid opportunity for growth
• Consideration for qualified remote candidates in eligible states

About Kapitus

At Kapitus, we strive to empower every business to succeed by providing the best financing options – when they need it and how they need it. Whether working directly with a business or through a strategic partner, we maintain transparency, fairness, and integrity throughout the financing process.

Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we provide small businesses with the financing they need, when and how it is needed. With over 15 years of experience, our fast-paced culture rewards self-direction, hard work, and a commitment to doing the right thing.