Senior Director, Credit & Pricing Strategy - Auto

Summary

Join Best Egg as a Senior Director of Credit & Pricing Strategy – Auto and lead the strategy and execution of credit risk and pricing for auto-secured lending products. You will own all aspects of product eligibility, pricing, underwriting, and risk-return optimization. This highly visible role requires cross-functional collaboration with senior stakeholders to drive product innovation, conversion improvement, customer experience enhancements, and investor returns. The position demands a strategic and hands-on approach, combining an executive mindset with the ability to analyze data. You will lead a high-performing team, focusing on coaching, mentorship, and development. Best Egg offers a flexible work experience, top-tier benefits, and growth opportunities in a culture built on core values.

Requirements

• 10+ years of experience in financial services with a focus on credit risk, pricing, and product strategy
• Must have direct to consumer experience in near-prime/sub-prime auto lending (e.g., secured personal loans or traditional auto loans)
• Bachelor’s degree in a quantitative discipline (Statistics, Mathematics, Engineering, Economics, etc.); Master’s degree a plus
• Expertise in analytical tools and data analysis (Excel required; Python strongly preferred; SQL, SAS or R)
• Deep understanding of credit bureau data, alternative data, pricing elasticity, and risk modeling
• Demonstrated ability to influence senior leaders and drive cross-functional initiatives
• Comfortable working in ambiguous, high-growth environments
• Experience managing or mentoring a team of analysts or strategists
• Executive presence with excellent verbal and written communication skills
• Strong bias for action and data-driven decision making
• Willingness to challenge the status quo and explore creative approaches
• Belief in collective ownership, transparency, and continuous learning
• Thrives in fast-paced, performance-oriented environments

Responsibilities

• Lead development and optimization of credit and pricing strategies for auto-secured personal loans, including
• Credit policy and underwriting criteria
• Pricing structure, APR optimization, and elasticity modeling
• Fee structure, loan amount sizing, verification, and fraud mitigation
• Design and execute test/control strategies (e.g., champion/challenger) to validate underwriting and pricing performance
• Analyze portfolio trends, vintage performance, and external benchmarks to inform strategic shifts
• Partner with Decision Science to develop, enhance, and implement risk and pricing models
• Maintain investor return targets in dynamic economic conditions
• Present business cases, performance updates, and strategy recommendations to the C-suite and capital partners
• Collaborate with Product, Marketing, Operations, Finance, and Capital Markets to drive enterprise-wide initiatives
• Lead a high-performing team with a focus on coaching, mentorship, and development

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!