Senior Credit Strategy Analyst - Secured​/Super Prime UW

Senior Credit Strategy Analyst

The Senior Credit Strategy Analyst will be a critical member of the Credit team and will be responsible for using a combination of data and credit experience to optimize credit strategies for personal loans. Responsibilities include maximizing underwriting and loan amount decisions across acquisition channels, driving strategy improvement and innovation, monitoring champion/challenger data while maintaining investor returns. This is a full‑time permanent position with competitive benefits and upward mobility.

If you call yourself a self‑starter who can work in any environment and enjoys every day bringing unique challenges and opportunities, then you will thrive in this role. We are an equal‑opportunity employer committed to building a diverse and inclusive team.

• Monitor, refine, and develop credit strategies (including underwriting and loan amount) for personal loans.
• Create test/control champion/challenger tests and monitor to inform future strategies.
• Provide scenario analysis, create financial impact sizing, and develop new strategy test cases.
• Perform ad‑hoc analytics, create reporting and presentations.
• Work across functional areas to drive overall growth, product enhancements, and improve web funnel conversion rates across all channels.
• Partner with Decision Science to define and develop credit models and tools.
• Maintain overall risk and return targets for investors particularly in a changing economic environment.

• 5+ years experience in a similar analytical role.
• Bachelor’s Degree in Statistics, Mathematics, Operational Research, Engineering, or other quantitative major required;
  Master’s degree a plus.
• Experience in the financial industry or credit risk required; online lending, near‑prime, or sub‑prime is a plus.
• Must be proficient in Python (or similar), SQL, and MS Excel.
• Must be proficient in interpreting data using analytics, research methodologies, and statistical techniques.
• Previous experience with business intelligence reporting (e.g., Tableau, Power BI, etc.) is desirable.
• Excellent English written and verbal communication skills, critical thinking, and interpersonal skills.
• Highly independent and self‑motivated to form opinions that are supported by data.
• Strong knowledge of modeling tools and techniques and use in strategy.
• Ability to understand competitive pressure, economic trends, and their business impacts.
• High energy with ability to work in a fast‑paced environment.

• Comfortable interacting and engaging with colleagues from all levels of management and third‑party vendors.
• Demonstrated technical leadership skills including self‑direction, coaching, and mentoring.
• Highly motivated, well organized, capable of developing and executing business analysis and able to communicate status and results effectively.

• Ability to succeed within a cross‑functional team emphasizing collective ownership in a fast‑paced environment.
• Ability to work effectively both independently and as a team member.
• Be confident and willing to challenge status quo, but also willing to concede and execute others’ ideas when necessary.
• Capable of teaching and learning from others to promote continuity of knowledge and personal development.
• Cultivate good working relationships with other business units, particularly Marketing, Operations, and Finance.

Salary: $120,000 - $140,000 a year

Best Egg offers many additional benefits for our employees, including:

• Pre‑tax and post‑tax retirement savings plans with competitive company matching.
• Generous paid time‑off plans, including vacation, personal/sick time, short‑term and long‑term disability leaves, paid parental leave, and paid company holidays.
• Multiple health care plans to choose from, including dental and vision options.
• Flexible Spending Plans for health care, dependent care, and health reimbursement accounts (HRA).
• Company‑paid benefits such as life insurance, wellness platforms, employee assistance and health advocate programs.
• Other discounted benefits such as identity theft protection, pet insurance, fitness center reimbursements, and many more.