Intern, Risk

Intern – Risk/Pricing Department

As an Intern in the Risk/Pricing Department at Kapitus, you will play a crucial role in supporting our segmentation strategy and pricing optimization efforts. Your primary responsibility will be to analyze merchant profiles, identify performance correlations, and help refine pricing strategies to improve our business outcomes.

This internship will provide you with valuable exposure to financial analysis, data-driven decision-making, and strategic recommendations to upper management. The Risk Department analyzes past customer performance and data to set risk-based policies and pricing, aiming to maximize profit while controlling losses and enabling sales growth.

What You’ll Do:

Segmentation Strategy & Pricing Optimization

• 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.

What We Are Looking For:

• Proficiency in MS Office 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.
• Someone who is comfortable working with large datasets, performing statistical analysis, 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 way to both technical and non-technical stakeholders.

Company Mission:

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 we are working with a business directly or through a strategic partner, we will work diligently to provide the most convenient, cost- effective and appropriate financing solution for a business’s needs. We promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity. We will continue to empower small businesses to make educated financial decisions, as we have since our inception in 2006.

About Us: 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 are able to provide small businesses the financing they need, when and how it is needed.
We’ve spent the past 15 years building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work.
We show our teammates our appreciation by offering great benefits, competitive pay, and solid opportunity for growth.

Consideration will be given to qualified remote candidates residing in states where Kapitus and/or one of its subsidiaries has an established physical presence.