Senior Credit Strategy Analyst

Summary

Join Best Egg as a Senior Credit Strategy Analyst and play a critical role in optimizing credit strategies for personal loans. You will leverage data and credit experience to maximize underwriting, pricing, and loan decisions across acquisition channels. Responsibilities include creating and monitoring champion/challenger tests, performing scenario analysis, and collaborating with cross-functional teams. This full-time position offers competitive benefits and upward mobility. Best Egg champions a culture of inclusiveness and provides a flexible and collaborative work environment. If you are a self-starter who enjoys unique challenges and opportunities, this role is perfect for you.

Requirements

• 5+ years experience in a similar analytical role
• Bachelor’s Degree in Statistics, Mathematics, Operational Research, Engineering, other quantitative major required; Master’s degree a plus
• Experience in financial industry, credit risk required; online lending, near-prime, 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
• Excellent English written/verbal communication skills, critical thinking and interpersonal skills
• Highly independent and self-motivated to forming 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 across all business units 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 other’s 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

Responsibilities

• Monitor, refine and develop Credit strategies (including underwriting, pricing, loan amount & fees) for personal loans
• Create test/control champion/challenger tests and monitoring to inform future strategies
• Provide scenario analysis/create financial impact sizing/develop new strategy test case
• 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

Preferred Qualifications

Previous experience with Business Intelligence reporting (e.g. Tableau, PowerBI, etc) is desirable

Benefits

• Pre-tax and post-tax retirement savings plans with a competitive company matching program
• Generous paid time-off plans including vacation, personal/sick time, paid 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
• Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs
• Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!
• $115,000 - $130,000 a year
• This position is also eligible for an annual incentive bonus based on individual and company performance. Yearly incentive bonus target 20% of base salary