Credit Strategy Analyst

Job Description:

• Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools.
• We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.
• We offer a flexible work experience, top-tier benefits, and growth opportunities in a culture built on our core values:
• Put People First – We foster an inclusive, flexible, and fun workplace.
• Create Clarity – Open communication drives trust and results.
• Get Things Done – We focus, prioritize, and deliver with excellence.
• Deliver with Heart – We lead with kindness, humility, and strong teamwork.
• Listen to Our Customers – Their needs drive our innovation.
• We are looking for collaborative, innovative team players who like to solve problems. If you're inspired by inspiring others and want to make a real difference, Best Egg is the place for you.
• We’re proud to be an equal opportunity employer committed to building a diverse, inclusive team.
• We are seeking an experienced Credit Strategy Manager to drive the growth of our home-secured personal loan portfolio. This role focuses on Underwriting, Pricing, Loan amount & Fee decisions across all acquisition channels, driving strategy improvement, innovation and investor returns. The ideal candidate will bring expertise in lending, applying credit models, and data-driven decision-making to help us expand our market share while maintaining robust risk controls.
• 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 enjoy every day bringing unique challenges and opportunities, then you will thrive in this role.

Requirements:

• 5-7+ 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 the financial industry, credit risk and mortgage/home equity experience required
• 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, PowerBI, etc) is desirable
• Excellent English written/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 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

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!

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