The Aspen Group (TAG) is one of the largest and most trusted retail healthcare business support organizations in the U.S. and has supported over 20,000 healthcare professionals and team members at more than 1,300 health and wellness offices across 48 states in four distinct categories: dental care, urgent care, medical aesthetics, and animal health. Working in partnership with independent practice owners and clinicians, the team is united by a single purpose: to prove that healthcare can be better and smarter for everyone. TAG provides a comprehensive suite of centralized business support services that power the impact of five consumer-facing businesses: Aspen Dental, ClearChoice Dental Implant Centers, WellNow Urgent Care, Chapter Aesthetic Studio, and AZPetVet (soon to be Lovet). Each brand has access to a deep community of experts, tools and resources to grow their practices, and an unwavering commitment to delivering high-quality consumer healthcare experiences at scale.
Lovet recently created an internal captive finance company (Lovet Pay), which lends money to consumers who need flexible payment terms. This industry leading innovation will allow pet parents better access to care. We are seeking a Senior Lending Analyst who will help optimize performance of this new internal financing company.
Key responsibilities will include:
- Collaborate with broader data and analytics team to compile and cleanse data necessary for analysis.
- Analyze historical performance of loan portfolio overall and important sub-segments (profitability, write offs, on-time payments, etc.)
- Forecast future performance of loan portfolio based on historical data and expected future trends
- Assess usage of financing across hospitals, staff members, appointment types, ticket sizes, etc. Recommend areas for improvement and work closely with Operations and Client Financing teams to execute on recommendations.
- Conduct ad-hoc analysis, as well as create tools for leadership to use on an ongoing basis.
- Research external dynamics in lending markets and connect the trends back to our business and loan portfolio.
- Work cross-functionally with Lovet and TAG teams to successfully execute key initiatives and achieve business objectives
- Build financial projections (P&L, Balance Sheet, Cash Flow)
- Lead the budgeting process for Lovet Pay, in close partnership with Lovet's FP&A team
- Present actionable information and insights to team members and management. Prioritize recommendations to improve financing and operating performance for the business
- Prepare materials for recurring leadership meetings re: Lovet Pay (e.g. conduct analysis, prepare presentations).
Minimum Education and Experience:
- Bachelor's degree in Finance, Accounting, or related field
- Minimum of 4-8 years as a financial analyst. Experience working with lenders is highly preferred.
- Highly proficient in conducting zero-defect analysis and building financial models in Microsoft Excel
- Ability to create clear, concise, and compelling presentations in Microsoft PowerPoint
- Ability to find and pull appropriate data, along with validating and reviewing data and reports for accuracy and completion. SQL knowledge is a plus.
- Advanced problem-solving and analysis skills
- Superior oral and written communication skills
- High level of organization and detail-orientation
- Strong work ethic and willingness to take initiative
- Good attitude toward teamwork as well as the ability to work independently
- Excellent time management and ability to prioritize projects and workload
- Ability to excel in fast paced environment, take direction, and handle multiple priorities
- Excellent communication and interpersonal skills are required and must be a team player